How do I choose to pay by Finance?

Once you've found the registration you want, look out for information on the website indicating whether finance is available. Select from the available options to buy online, or let our sales staff know if you're buying over the phone.

Who is eligible to apply for online finance?

To apply for one of our credit finance packages, you must :

Be over 18 years of age.
Have a valid mobile phone number and email address.
Be a permanent UK resident with at least 3 years UK address history.
Have a valid UK based Debit card.
Complete a credit check with your application.
Have no current CCJs (Should you be in an IVA, additional information may be required to assess your application, including a letter from your IVA company confirming that you are allowed to take finance, along with your bank statement).

Credit subject to status and affordability. Terms & Conditions Apply. National Numbers Ltd are a credit broker - not a lender - and are Authorised and Regulated by the Financial Conduct Authority.

Credit provided by Payment Assist (UK) Limited, Authorised and Regulated by the Financial Conduct Authority.

Applying for online finance

When you buy online from National Numbers you have the choice of applying for instant finance by selecting your preferred finance plan and completing a finance application form.

The whole process only takes a few minutes, is simple and secure and you will get a decision immediately.

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

Further questions answered

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

Q:

Once my application is approved, what happens next?

A:

Once you have agreed to the terms of the credit agreement National Numbers will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF 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 credit agreement. Completion of your order cannot be carried out until your completed and signed agreement is returned and received by Payment Assist.

Q:	Will I be credit checked?
A:	Payment Assist will check that your card has adequate funds to pay the initial deposit and the address registered to your Debit card matches, but no footprint is left on your credit status and this online check takes seconds. In some instances, they may need to carry out a full credit check, where this is the case, your permission will be asked before this take place.

Q:

If you decline my application, what is the reason?

A:

Your suitability for financing will be assessed by a credit reference agency and Payment Assist's own business criteria. 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

Q:

What type of information do credit reference agencies hold about me?

A:

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.

Q:

How do I obtain a copy of this information?

A:

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
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.

Q:	If my application is not successful, can I re-apply?
A:	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 90 days between applications, and our decision will be unlikely to change if your circumstances have not also changed.