Finance that’s right on the money.

In association with Close Finance, we can provide easy-to-pay monthly instalments for hire purchases in store.

We offer 10% APR finance* over 12 or 24 months on all sales over £500.

Frequently Asked Questions

What criteria do I need to be approved for finance?

Here is a general guide to our pre-check criteria for a finance application in store:

  • Must be 18 years of age or older.
  • Be able to provide 3 years of employment history.
  • Have been a resident in Jersey for at least 3 years and will continue your residency in Jersey for the duration of the agreement.
  • Have a debit or credit card in your name registered to your current address.
  • Be able to provide a valid proof of identification with a photo ID (e.g. Driving Licence or Passport) and a proof of address within the last 3 months (e.g. utility bill, bank statement).

Other information maybe required by Close Finance based on their own financial checks. The full Terms of the Agreement can be found on the personal loan form in store.

I’m not sure what option is best for me. To whom should I speak?

Our sales team will endeavour to help by talking through the various financial options and aim for the best solution for you.

Before entering into an agreement you will have time to review the details and ask any questions you may have.

How quick is the decision?

Once the paperwork has been completed in store we will aim to deliver the application to Close Finance for approval later that day or the next working day. In most cases contact regarding a decision based on your application will take one or two workings days.

On some occasions Close Finance may require further information to make a decision regarding your application.

Examples

10% APR over 12 months

Representation example of 10% APR finance over 12 months would be:

Cash Price: £1000.00, Deposit: £0.00, GST: £50.00, Total Balance Financed: £1050.00, Duration: 12 months, Rate of Interest: 10%,

Gross Interest over 12 months: £105.00

Total amount to be Financed: £1155.00

Instalments and Final Payment

11 monthly instalments of: £95.00,

Final instalment: £110.00

Administration fee for repayments: £35.00

Final Statement Total: £145.00

Total Paid: £1190.00

 

10% Finance over 24 months

Representation example of 10% APR finance over 24 months would be:

Cash Price: £1000.00, Deposit: £0.00, GST: £50.00, Total Balance

Financed: £1050.00, Duration: 24 months, Rate of Interest: 10% per annum,

Gross Interest over the first 12 months: £105.00

Total amount to finance Year 1: £1155.00

Gross Interest over the second 12 months: £115.50

Total amount to be Financed: £1270.50

Instalments and Final Payment

11 monthly instalments of: £105.00,

Final instalment: £115.50

Administration fee for repayments: £35.00

Final Statement Total: £150.50

Total Paid: £1305.50

*Subject to age and status, ask in-store for details, 0% representative APR, current minimum order value: £500.00