At Laptops Direct we understand that whether you're replacing a broken product or upgrading an old one it can be a lot of money to save. We're happy to announce that if you spend £99 or more we can offer you credit over 6 or 12 months, and if you want a bit longer to pay we offer 18 and 24-month options.
To apply for finance it's really simple, here's our 4-step process
Choose your product and add to basket
Select PayPal Credit in the basket
Complete the easy application
Choose your delivery date
It really is as easy as that! In less than 10 minutes you can have your confirmed delivery date.
Credit Options Available
We want our credit options to be simple for you to understand, that's why we've created a list of all options available depending on the price of your product. Simply enter the amount you want to apply for on finance and click calculate, then you'll be given a list of the options available.
This represents the typical costs of using a PayPal Credit limit, not including instalment offers. The rate of interest that applies to your order is defined by the option you select, we offer plenty of credit options that are interest free and you will not pay interest on at all. This example is based on your using PayPal Credit in future purchases either from us or other retailers.
Am I eligible for finance?
The short answer is, you probably are! Our credit provider carries out credit checks and has a few requirements for offering finance but please make sure you meet these simple requirements
Your order is £99 or more
You are 18 years or older
You are a UK resident, and have been for more than 3 years
You can make regular direct debit payments
You are in regular employment, or permanently live with a spouse who is in regular employment
Have a credit/debit card in your name that is registered to your current address
You have a good credit history, and have received no CCJs
How long does it take to apply?
That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.
What details should I have to hand?
You don't need much - if you already have a PayPal account then usually you'll just have a few questions to answer, if you don't have a PayPal account you just need to register with them.
What if I am declined for finance?
When you're applying for finance you always need to remember that there is a possibility you will be declined. This can often be caused by one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card, PayPal Wallet or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.