Build now, pay later with Scan Finance.

Buy now pay later...

when you spend only £250 (inc vat) or moreIn association with market leaders Novuna finance , we are one of the very first companies to offer this kind of outstanding deal to our customers. We are now able to give approval decision within a mere 15 minutes.

Finance options

Based on a cash purchase of £1000, 10% deposit and a borrowing of £900.

Buy Now Pay Later (12 Months / 48) 17.9%

After a 10% deposit pay nothing for 12 months

Classic Credit 24 Months 15.9%

After a 10% deposit pay £43.57 for 24 months

Classic Credit 36 Months 15.9%

After a 10% deposit pay £31.13 for 36 months

Classic Credit 48 Months 15.9%

After a 10% deposit pay £24.97 for 48 months

The Buy Now Pay Later scheme (BNPL) is the ideal way to buy your purchases from Scan. 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 and make NO payments for 12 months.

How does it work?Provided you settle the full balance (after 10% deposit) before the 12 month deferred period has expired, then no interest charges will be incurred. However, if you choose not to settle within the 12 month deferred period, then you will incur interest. The example below, based on a purchase of £1000.00, explains this: Should you choose to pay the outstanding balance off in full within the deferred period then no interest will be charged, however a £29 settlement fee on a Buy Now Pay Later option will be charged.

Finance Examples

Buy Now Pay Later (12 months)This is a Buy Now Pay Later agreement. Customers will initially only have to pay a 10% deposit, with the original loan amount payable in the 11th month, in order to incur no interest charges.

Goods Price £1200.00
Deposit Amount £120.00
Loan Amount £1080.00
Deferral Period 12 Months
Total Term 48 months
Interest Rate (Fixed) 17.9%
Representative APR 17.9% APR
Interest Payable £647.04
Total Repayable £1847.04
Monthly payments £35.98
Monthly payments £29.00

Please make sure you note the date on the welcome letter at which your deffered period ends, as no further reminder letter will be sent by the finance provider

Low cost classic finance 24 / 36 or 48 monthsFor customers who prefer to opt for a traditional credit package, our Low Cost Classic Finance product offers the ideal solution. Classic Finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 24, 36 or 48 equal monthly payments, at a low APR of 15.9% on all balances above £250.00

Classic credit 24 months 15.9% example

Goods price £1000.00
Deposit amount £100.00
Loan amount £900.00
Interest rate 15.9% p.a fixed
Representative 15.9% APR
24 monthly repayments of: £43.57
Cost of finance £145.68
Total amount payable £1,145.68

We are licensed credit brokers. Credit is subject to status and written quotations are available on request.

Frequently Asked Questions FAQs

What is financing? Scan.co.uk are committed to offering the very best products money can buy with the most convenient ways of paying for your goods. Financing is a convenient way of purchasing your goods with a minimum outlay and spreading the cost over a period of time that is convenient to you.

Who is eligible? To apply for financing you must be aged 18 and over, work at least 16 hours a week or disabled/retired with an income. Homemakers are not excluded either and can apply under their own names but we will require their spouses employment details. You must also be a resident of the UK and have lived here for at least 3 years.

Who is this available for? Scan finance is available to retail customers only.

How can I apply? Applying for financing couldn't be easier or more convenient. After you have selected your purchases, all that is required is to fill out a simple on-line application form and we will do the rest.

What Do I Need To Apply? To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting Direct Debits.
  • You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.

    • How much can I borrow? When checking out, just complete the easy online application form that you’ll receive from Novuna Retail Finance and you can be approved instantly for up to £25,000 to allow you to make the purchase you’ve been dreaming of, and pay for it in easy manageable instalments.

    Is a deposit required? Yes, a minimum 10% deposit will need to be paid upon acceptance on all finance options.

    When will I know if my application for financing has been approved? An instant decision will be given online whether or not your application for credit has been approved.

    Once my application has been approved, what happens next? Once your application for finance has been approved we will release your goods for shipment immediately. Typically the first payment will be due one month after the delivery of your goods.

    Can I ask for my purchases to be delivered to my work address? To safeguard against fraudulent applications, we can only deliver to your home address. However, for a small surcharge, we can arrange for your goods to be delivered on a Saturday morning if that is more convenient for you.

    Are there any additional charges? No, there is no fee on application other than a settlement fee that applies to Buy Now Pay Later option only

    How are my monthly payments made? All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.

    What type of goods can I buy on Finance? Anything on our website. Please remember that the minimum order value for finance is £250(inc vat)

    Can I pay off my loan early? You can settle your loan agreement at any time. Simply contact Novuna Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

    Who provides the finance ? Consumer credit service provided by Novuna Retail Finance. Novuna Retail Finance is licensed by The Office of Fair Trading (Consumer Credit Licence: 704348). Making a complaint On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;
    Phone: 01204 474747
    Email: [email protected]
    Address: Scan Computers International Ltd, 25-28 Enterprise Park, Middlebrook, Horwich, Bolton, BL6 6PE, UK

    If your complaint relates to your finance agreement
    If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna (previously Hitachi Capital). Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

    What to do if you can't reach an agreement
    If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

    They can be contacted in the following ways:
    Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
    Telephone: 0300 123 9 123
    E-mail: [email protected]

    Further details can be found on the Financial Ombudsman Service website - www.financial-ombudsman.org.uk

    GO TO HELP CENTRE

    Scan Computers International Ltd is a Credit Broker t/a Scan, 25-28 Enterprise Park, Middlebrook, Horwich, Bolton, BL6 6PE. Credit is provided by PayPal Credit and Novuna Finance.
    Both Scan Computers International Ltd and our lenders are authorised and regulated by the Financial Conduct Authority. PayPal Credit is a trading name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.