Overclockers UK Online Finance

Here at Overclockers UK we've put together a range of special finance deals that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative. 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.

Which finance product is right for you?

Overclockers UK currently offer four finance options (detailed below), all of which are available on orders over £333.34. In summary, the key features of these options are:

Credit subject to status and affordability. Terms & Conditions Apply. OCUK Ltd, trading as Overclockers are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Buy now pay in 6 months

This is a Buy Now Pay Later loan agreement. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product or combination of products from our portfolio NOW (your total order value must be above £333.34 to be eligible), then make no further payments for 6 months.

If by the Deferred First Payment Date, you have paid to Hitachi Capital (UK) the amount of credit in full, you will not have to pay any interest but you will have to pay an administration fee of £29.

However, should you choose not to settle the outstanding balance in full before the BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement.

 

Representative APR 29.9%

Interest rate 11.71% fixed

Order Value (Inc. delivery & VAT) £750.00
Deposit (10%) £75.00
Balance Payable £675.00
36 monthly repayments of £30.51
Total Amount Payable £1,173.36
 
However, provided you pay the outstanding balance in full before 6 months has expired no interest will be charged.
Please note the above quotation is an indicative cost and actual monthly payments may vary by +/- 2p per month.

 

Buy now pay in 12 months

This is a Buy Now Pay Later loan agreement. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product or combination of products from our portfolio NOW (your total order value must be above £333.34 to be eligible), then make no further payments for 12 months.

If by the Deferred First Payment Date, you have paid to Hitachi Capital (UK) the amount of credit in full, you will not have to pay any interest but you will have to pay an administration fee of £29.

However, should you choose not to settle the outstanding balance in full before the BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement.

 

Representative APR 29.9%

Interest rate 13.59% fixed

Order Value (Inc. delivery & VAT) £750.00
Deposit (10%) £75.00
Balance Payable £675.00
36 monthly repayments of £34.77
Total Amount Payable £1,326.72
 
However, provided you pay the outstanding balance in full before 12 months has expired no interest will be charged.
Please note the above quotation is an indicative cost and actual monthly payments may vary by +/- 2p per month.

 

Low cost classic finance 36 months

For customers who prefer to opt for a more traditional credit package, our low cost classic finance options offer the ideal solution.

36 equal monthly payments at 16.9 % APR.

Classic finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low rate of 16.9% APR.

 

Representative APR 16.9%

Interest rate 8.7% fixed

Order Value (Inc. delivery & VAT) £750.00
Deposit (10%) £75.00
Balance Payable £675.00
36 monthly repayments of £23.64
Total Amount Payable £926.04
 
Please note the above quotation is an indicative cost and actual monthly payments may vary by +/- 2p per month.

 

Low cost classic finance 48 months

For customers who prefer to opt for a more traditional credit package, our low cost classic finance options offer the ideal solution.

48 equal monthly payments at 16.9 % APR.

Classic finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 48 equal monthly payments, at a low rate of 16.9% APR.

 

Representative APR 16.9%

Interest rate 8.85% fixed

Order Value (Inc. delivery & VAT) £750.00
Deposit (10%) £75.00
Balance Payable £675.00
48 monthly repayments of £19.03
Total Amount Payable £988.44
 
Please note the above quotation is an indicative cost and actual monthly payments may vary by +/- 2p per month.

 

Frequently Asked Questions

Applying for online finance

Applying for Overclockers UK online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief on-line application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

How quickly will my application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, our team will provide you with a decision within a matter of minutes. If you submit your application outside of these hours, then we'll endeavour to provide a response the next working day. We'll send you an email to confirm the status of your application as soon as we've processed it.

Once my application is approved, what happens next?

Within minutes of your application being approved, you'll be sent via email, a link to your credit agreement, which can be easily downloaded. Alternatively, you can request for a printed out, hard copy of your agreement to be posted to you. All agreements are supported with a copy of our terms and conditions. Once downloaded/received, you'll need to read the agreement carefully, then sign and return it to our finance company. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by us. Shipment of your goods will follow as soon as your agreement has been returned to our finance company (usually on the same day).

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, disability or colour.

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, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years, to either of the following agencies:

  • Consumer Help Desk, Experian Limited, PO Box 8000, Nottingham, NG1 5GX
  • Equifax Department 1E, PO Box 3001, Glasgow, G81 2DT

You can also find out more about credit decisions by visiting the above companies' websites: www.experian.co.uk and www.equifax.co.uk

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.

Who is my finance actually with?

Credit is provided by Hitachi Capital (UK) PLC trading as Hitachi Capital Consumer Finance, 2 Apex View, Leeds, LS11 9BH

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 6 months between applications.

Who is eligible to apply for Overclockers UK online finance?

To apply for Overclockers UK 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 three years or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from application under their own names; however we will require the employment details of your spouse in order to process your application.

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.

What happens if I want to return all or part of my order for refund?

You may wish to cancel within 14 days of receipt, or reject goods within the acceptance period. If you return the complete order, OCUK will refund the deposit to the original payment card and instruct Hitachi to cancel your finance agreement.

Finance agreements are strictly regulated. If you wish to return part of the order, the action we can take depends on the value of the goods you return as follows:

Goods return value is less than or equal to the deposit value – OCUK will refund the value of the goods to the original payment card. This does not affect your finance agreement. Goods return value is higher than the deposit value – OCUK will refund the deposit value to the original payment card and refund the remaining balance to Hitachi who will deduct this amount from the balance of your finance agreement.

Maximum value for part return – we can only refund up to 25% of your finance agreement. For example, you order £1,000 with a card deposit of £100 and a finance agreement of £900. Unless you return all of the order, the maximum value of goods that can be refunded is £325. The £100 deposit is refunded to the payment card and £225 is deducted from the finance agreement.

During this time, it is possible to exchange all or part of your order for product(s) of an equal value. This will not affect your finance agreement. Before shipping the replacement order, we will need to receive back the original product in satisfactory condition.

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