Interest-Free Credit 0% APR Representative
Available on products for delivery over £500. Instant decision available online.
Applying for online finance
Applying for online finance couldn’t be easier or more convenient. Once you’ve chosen the products you’d like to purchase, simply complete a brief online application form accessed via the ‘checkout’. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.
Interest free finance is available to apply when you spend over £500. You can choose a package from 12, 24 or 36 months payment terms that suits your needs, simply complete a brief on-line application form accessed via the ‘checkout’.
Available finance payment plans
With Interest Free Credit you have the choice of spreading your payments over 12, 24 or 36 months depending on the value of the item you have purchased.
Representative Example (based on 36 months Interest Free Credit)
e.g. Product (FLABéLOS) £3,795 + Shipping £120 = Total Purchase Price £3,915
|Interest Rate||0% Fixed|
|Total Purchase Price||£3,915|
|Less Deposit (10%)||£391.50|
|Amount of Credit||£3,523.50|
|Payable by 36 Monthly Instalments||£97.88|
|Total Amount Payable||£3,915|
|0% APR Representative|
Who is eligible to apply for online finance?
You need to:
- be 18 years old or over
- Working at least 16 hours per week or retired and in receipt of a private or company pension
- have 3 years continuous UK address history
- have a UK bank account that accepts direct debits
- have a good credit history
We also welcome applications from individuals in receipt of long term disability benefit.
Please note: Finance is subject to application and status. Meeting the above criteria does not guarantee your application will be approved.
Sasaki International Limited is authorised and regulated by the Financial Conduct Authority
When you buy online from Sasaki you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process is completed online, only takes a few minutes and is simple and secure. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
Sasaki are a licensed credit broker, not a lender. Credit is subject to status and written quotations are available on request.
The credit advertised is provided by afforditNOW, with whom we have a commercial relationship.
afforditNOW is provided by PayBreak Ltd, authorised and regulated by the Financial Conduct Authority. Registered in England with company number 7440512. Registered office: PayBreak Limited, Floor 1, The Bloc, Ashley Road, Altrincham, WA14 2DW
afforditNOW Frequently Asked Questions
How long does it take to apply?
You should get an instant answer on whether your application for finance has been successful. In some cases we may need to review your application in more detail before making a decision.
What happens if my application is declined?
You can still pay for the goods using an alternative payment method, such as debit or credit card.
Will I be charged if my application is declined?
No, you will not be charged anything if your application is unsuccessful.
Can I pay the finance off early?
Yes, you can settle your loan at any time.
If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest however, that you leave at least 3 months between applications.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you.
Credit Scoring & Checks Frequently Asked Questions
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
– Your credit score (note that every finance company will score you differently)
– Adverse credit reference agency information
– You are considered to be overcommitted
– You are aged under 18
– Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.