Interest Free Credit Information

• Applications for Interest Free Credit can be made by completing the Finance Application Request Form (click the button above)
  
  Once you submit the information via the form, we will create an online application which will be emailed to you to complete online before visiting us in store.
   
• Application, purchase and collection must be made by the person applying for the finance.
   
• Applicants must be 18 or over and permanent residents of the United Kingdom.
   
• Approval is subject to credit checks and usually takes no more that 15 minutes unless an application is referred which can then take up to 24 hours.
   
• Minimum Purchase Price = £550, Maximum = £5,000.
   
• Available on selected items only at managements discretion, exclusions apply.
   
• Deposit must be no less than 10% & no more than 50% of Purchase Price.
   
• Deposit MUST BE paid using a debit card for the same bank account from which the Direct Debit will be paid.
   
• Repayments can be spread over 6, 9, 10 or 12 months.
   
• Valid I.D (Passport / Drivers License) and a utility bill or bank statement showing the applicants current address no older than 3 months must be shown and have copies taken as part of the application process.
   
• Approval of applications are not controlled by Robinsons or it’s staff, nor can we adjust repayment schedule.

• Once approved you will have 7 days to come into store to collect goods or pay a deposit. Failure to do so will result in the application being cancelled.

• Credit is provided by Omni Capital Retail Finance who are regulated by Financial Conduct Authority (FCA).
   
• J R Retail Bawtry Ltd (Robinsons) act as an authorised salesperson on behalf of Omni Capital Retail Finance and are not regulated by the FCA.

Representative Examples

Here's a few examples of how the Interest Free Credit works.

Example 1

An item costing £1,200 on 12 months Interest Free Credit:

REPRESENTATIVE 0% APR EXAMPLE

Interest Rate (Fixed) 0% p.a

Purchase Price: £1,200

Total Amount Payable: £1,200

Deposit (Min 10%): £120

Loan Amount: £1,080

Duration of agreement: 12 months

12 Monthly Payments of: £90

Summary: £120 deposit, 12 monthly payments of £90 = take your dream bag home today!

Example 2

An item costing £895 on 12 months Interest Free Credit:

REPRESENTATIVE 0% APR EXAMPLE

Interest Rate (Fixed) 0% p.a

Purchase Price: £895

Total Amount Payable: £895

Deposit (Min 10%): £89.50

Loan Amount: £805.50

Duration of agreement: 12 months

12 Monthly Payments of: £67.12

Summary: £89.50 deposit, 12 monthly payments of £67.12 = take your dream bag home today!