Buy Now Pay Later Finance

Buy now pay later with payments deferred for up to 12 months Interest Free, offered through Whitakers Of Shipley and underwritten by Hitachi Personal Finance – subject to finance application approval.

Spread the cost with our buy now pay later finance options

Our simple buy now pay later finance options, allow you to spread the cost of your purchase using a 48 months Interest Bearing agreement which starts after a deferred 6, 10 or 12 months Interest Free period

Monthly repayments will start either 6, 10, or 12 months after signing your finance agreement. Settle your agreement within the agreed Interest Free deferral period and only pay an early settlement fee of £29.00.

With a minimum spend of £250 or above, we can then offer 3 simple finance options to help you spread the cost of your purchase.

• 48 months buy now pay later finance, with the first payment deferred for 6 months Interest Free, on orders of £250 and above.
• 48 months buy now pay later finance, with the first payment deferred for 10 months Interest Free, on orders of £250 and above.
• 48 months buy now pay later finance, with the first payment deferred for 12 months Interest Free, on orders of £250 and above.

Representative Example One:

Paid off within the deferred period

Cash price £1,000

Deposit £100

Loan amount £900

Total charge for credit £29.00

Total amount payable £1029.00

Representative Example Two:

Paid off with the 48 Month agreement

Cash price £1,000

Deposit £100

Loan amount £900

29.8% APR representative

Interest rate 21.37% fixed

48 monthly repayments of £38.78

Total term of loan agreement 48 months, with the first payment deferred for 12 months

Total charge for credit £961.44

Total amount payable £1961.44

For further details, we ask customers to contact Whitakers Of Shipley via email, info@wos.uk.com or by phone: 01274 584709