Finance at Overclockers

Overclockers UK Online Finance is the convenient way to get your hands on the technology you want today without breaking the bank! In short, our online finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget. Think about how much you can afford each month and maybe you can up your budget and get the gear you really want.

With our flexible deposit from 1%, allowing for the minimum loan amount of £300 (e.g on £1000, the minimum deposit would be £10) you can borrow just the amount you need to, or cover almost the entire cost of the order.

Credit subject to status and affordability. Terms & Conditions Apply. OcUK LTD trading as Overclockers UK is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk

Which finance product is right for you?

Overclockers UK currently offer multiple finance options (detailed below), there are conditions for some of our finance options such as minimum loan amounts, and maximum loan amounts, on occasion some loans might be restricted to products. Subject to status, T&Cs apply.

Representive Examples

Buy Now, Pay Later (12/36 months)

With our Buy Now Pay Later (12/36) loan agreement you can order today and pay nothing for 12 months.

If you pay in full by the end of 12 months there will be no interest on the loan, but a final settlement fee of £29.00 will be due.

Alternatively you can spread the cost and pay monthly according to the table. Interest is accrued from the start of the loan agreement.

Your loan value must be between £300.00 and £25,000.00

Representative 19.9% APR

Interest rate 19.9% fixed

Order Value (Inc. delivery & VAT) £1000.00
Deposit Payable £10.00
Loan Value £990.00
36 monthly repayments of £42.45
Total Amount Payable £1,538.20
 
Interest Bearing Credit (12 months)

With our Interest Bearing Credit (12 months) loan agreement you can spread the cost over a period of up to 12 months.

Your loan value must be between £300.00 and £25,000.00

You will pay according to the table.

Representative 14.9% APR

Interest rate 14.9% fixed

Order Value (Inc. delivery & VAT) £1000.00
Deposit Payable £10.00
Balance Payable £990.00
12 monthly repayments of £88.88
Total Amount Payable £1,076.56
 
Interest Bearing Credit (24 months)

With our Interest Bearing Credit (24 months) loan agreement you can spread the cost over a period of up to 24 months.

Your loan value must be between £300.00 and £25,000.00

You will pay according to the table.

Representative 14.9% APR

Interest rate 14.9% fixed

Order Value (Inc. delivery & VAT) £1000.00
Deposit Payable £10.00
Balance Payable £990.00
24 monthly repayments of £47.52
Total Amount Payable £1,150.48
 
Interest Bearing Credit (36 months)

With our Interest Bearing Credit (36 months) loan agreement you can spread the cost over a period of up to 36 months.

Your loan value must be between £300.00 and £25,000.00

You will pay according to the table.

Representative 14.9% APR

Interest rate 14.9% fixed

Order Value (Inc. delivery & VAT) £1000.00
Deposit Payable £10.00
Balance Payable £990.00
36 monthly repayments of £33.82
Total Amount Payable £1,227.52
 
Interest Bearing Credit (48 months)

With our Interest Bearing Credit (48 months) loan agreement you can spread the cost over a period of up to 48 months.

Your loan value must be between £300.00 and £25,000.00

You will pay according to the table.

Representative 14.9% APR

Interest rate 14.9% fixed

Order Value (Inc. delivery & VAT) £1000.00
Deposit Payable £10.00
Balance Payable £990.00
48 monthly repayments of £27.04
Total Amount Payable £1,307.92
 
Interest Free Credit (10 Months) available on selected products only

With our Interest Free Credit (10 Months) loan agreement you can spread the cost over a period of up to 10 months.

Your loan value must be between £1000.00 and £25,000.00

You will pay according to the table.

Representative 0% APR

Interest rate 0% fixed

Order Value (Inc. delivery & VAT) £1100.00
Deposit Payable £11.00
Balance Payable £1,089.00
10 monthly repayments of £108.90
Total Amount Payable £1,100.00
 

How do I choose to PaybyFinance?

Just select the finance option on the checkout page.

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from OcUK Ltd trading as Overclockers UK you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Your questions answered

Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e- sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement OcUK Ltd trading as Overclockers UK will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

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 consistent decisions to be provided, ensuring all 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, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please 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 credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 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.

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