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How it Works

Finance options* to help you afford the product you want!

If your order value is £299.00 or over you will be given the option to buy on finance when you reach the checkout. We have four finance options available:

Buy Now Pay 6 Months Later
Buy Now Pay 9 Months Later
Buy Now Pay 12 Months Later
Interest bearing over 24 months (24.9% APR)
Interest bearing over 36 months (19.9% APR)

Please Note: On the Buy Now Pay Later Options an admin fee of £29.99 will be payable directly to the finance company if the loan is paid off within the interest free period of either 6, 9 or 12 months.

How to Apply

Applying for finance is a simple three stage process.

1. The first stage is handled at the checkout via our web-site and the Able2Buy web-site.
1. At the checkout when you are ready to pay for your product please select the option to “APPLY FOR FINANCE”.
2. Then select the finance package you would like to apply for from the drop down menu and click “CALCULATE REPAYMENTS”.
3. A new window will open detailing the repayments you will need to make if you select this finance option. Please check these carefully and make sure you are happy with them.
4. If you are happy with them go back to the checkout window and click “GO”. This will take you to our finance partner’s web-site where you will enter your details over their secure server.
2. If you are successful here, you will be contacted by the finance company at a time specified by you. When you are contacted they will be asked to give further details to assist in your application for finance.
3. The finance company will then run a credit check on the details you provided and if your application is successful a finance agreement will be sent to you for you to check, sign and return.

What are the Options?

Buy Now Pay 6 Months Later - Interest Free Option

Don't pay anything for 6 months then choose either the interest free option by simply paying the cash price in full at the end of the 6 month period, or spread the cost of your purchase over a 42 month interest bearing loan (28.8% APR).

For example:

total price	£349.99
deposit	£0.00
amount of credit	£349.99
monthly repayment	£14.32
number of repayments	42 months
balance payable	£601.44
deferred period	6 months
APR in deferred period	0%
typical APR thereafter	29.8%

Interest bearing over 24 months

Pay for your item over 24 months on an interest bearing loan at 24.9% APR. For example:

total price	£1,199.99
deposit	£0.00
amount of credit	£1199.99
monthly repayment	£61.51
number of repayments	24 months
balance payable	£1,500.24
typical APR	24.9%

Interest bearing over 36 months

Pay for your item over 24 months on an interest bearing loan at 19.9% APR. For example:

total price	£349.99
deposit	£0.00
amount of credit	£349.99
monthly repayment	£12.70
number of repayments	36 months
balance payable	£457.20
typical APR	19.9%

Frequently Asked Questions (FAQs)

What happens if I choose to end an interest bearing loan early?

If you choose to end your interest bearing finance agreement early you will need to call Able2Buy on 0161 9085005. You will pay off the full cash value of the item plus any interest accrued to the date when you pay off your loan plus a month of payment interest. If you have taken out a Buy Now Pay Later loan and you pay it off within the interest free period you will need to pay an admin fee of £29.99 directly to the finance company.

Who is the finance agreement with?

The finance broker is Able2Buy and they can be reached on 0161 908 5005.

*Finance is available to UK applicants 18 years of age or older and subject to status. Finance is not available for business customers. Prices are correct at time of going to press and are subject to change during the term of this offer without notice. Terms and conditions are available on request. Finance agreements are available on orders between £299 and £10,000 (including VAT and shipping). Please ensure you are able to keep up repayments of any finance package taken.

Now Group UK Ltd trading as Nav Now operates under a Consumer Credit Licence, No. 560813. This licence is issued by The Director General of Fair Trading at the Office of Fair Trading in accordance with the Consumer Credit Act 1974.