Paying for PCs the Overclockers UK Way!
Everyone at Overclockers UK understands that buying a new computer, laptop or component is incredibly exciting, but we also understand that the best gear is incredibly daunting – especially when a new gaming system can cost £1,000 or more.
Thankfully, we’ve taken steps to make your next PC easier to buy. Overclockers UK have partnered with V12 Finance to offer a range of finance options, from buy-now and pay-later deals to more traditional credit arrangements. Applying for finance on our website is much easier and faster than before and finance is now available on orders from just £250.
And, crucially, none of our finance options require a deposit – something that makes Overclockers UK stand out against many other companies.
Taking the Credit:
Our classic credit options enable you to spread the cost of your purchase across 24, 36 or 48 months – it’s great for customers who want a fixed monthly payment which is perfect for budgeting.
Choosing a longer finance period will reduce the monthly payment or if you’ve got the budget available, spend more on your gear by spreading the additional cost across the longer period. You can spend up to £15,000 on Classic Credit!
An important thing to consider is that a longer finance option means you will end up paying more over the total period of the agreement.
Buy Now, Pay Later:
The main difference between Classic Credit and Buy Now, Pay Later is that you can defer any payment for the first 6 or 12 months depending on which option you choose. As we don’t require a deposit, this means you can receive your gear now and not have to pay anything until the end of the deferral period.
Interest free is the best reason to choose Buy Now, Pay Later - if you pay back the loan before the end of the deferral period, no interest is charged on the loan and you simply pay a final settlement fee of £29.
If you decide to continue the loan, then the fixed monthly payments will start after the deferral period and continue until the end of the 48 month agreement. Consider if you really need the deferral period - buy Now, Pay Later has higher monthly payments than the 48-month Classic Credit and you will pay more in total.
Buy Now, Pay Later is available on purchases between £250 and £2,500.
Terms & Conditions:
The Overclockers UK credit options are provided by V12 Retail Finance Ltd, which is authorised and regulated by the Financial Conduct Authority. And, as ever, finance is subject to your status – so it’s not guaranteed.
We’ve already outlined some of the basic terms and conditions for our finance deals, but it’s worth examining them in more detail and taking a look at the eligibility requirements for Overclockers UK financing.
For starters, you need to be eighteen years old, and be a permanent UK resident for at least three years. You’ll have to make regular payments by Direct Debit which means you must have a bank or building society current account. You’ll also need a credit or debit card in your name and registered to your address.
You’ll have to be in regular employment, too, with at least sixteen hours of work a week – or in a permanent residence with a spouse or partner who’s in regular employment. If you’re retired or registered as disabled, then V12 Retail Finance may ask for a proof of income.
Remember that finance isn’t guaranteed. However, if your application is successful, then you’ll be asked to verify your identity by authorising a 50p transaction using your credit or debit card. It’s a protection against fraud, and don’t worry – no money will actually be taken.
Applications can be denied for several reasons. You may just not match the eligibility criteria, or your credit score may be too low. V12 Finance may have received adverse information about you from a credit reference agency, or your existing account performance with other lenders may influence their decision.
All is not lost, though: you can appeal these decisions directly with V12 Retail Finance.
Crunch the Numbers:
It’s always worth crunching the numbers to work out if you can afford any of our finance options, as it’s important to be responsible when borrowing money. We love customers to buy products from Overclockers UK, but we don’t want to encourage people to buy items that they can’t afford – and we also don’t want to encourage people to apply for a finance deal if they’re not ready to make the payments. Please think carefully before applying.
Most finance applications with Overclockers UK and V12 Retail Finance are decided almost instantly, so there’s often no need to wait around to find out if your application has been successful.
That’s huge, because it means that your order can be processed faster – and so it means you can get your new PC, laptop or hardware with even more speed – and, hopefully, some free Haribo too!
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