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Lending Works Finance
Pay in 3
We have partnered with Lending Works to provide you with flexible and affordable Finance Option -Pay in 3. The Pay in 3 option allows you to spread the cost of your purchase (from £50-£250) over 3 instalments, with 0% APR Finance.
Do I qualify?
To qualify for a retail finance loan with Lending Works you need to:
- Be 18 years old or over.
- Hold a UK bank or building society account that is in your name, registered at your address and accepts Direct Debits.
- Have an annual income or pension before tax of £10,000 or more
- Be a UK resident and have lived in the UK for at least 3 years
Please note that goods must be delivered to the address that is used in your Finance application. This must be the same as the billing address that is linked to your bank account. Credit is subject to application and status. Movement Sound and Lighting Limited trading as The DJ Shop is acting as an intermediary and is not the lender. Loans are provided through Lending Works’ peer-to-peer lending platform. Lending Works Limited is authorised and regulated by the Financial Conduct Authority and their registered office is 60 Gray’s Inn Road, London, WC1X 8AQ and the company number is 8302549.
About the Loan
The application process is carried out online. It is quick and easy, takes approximately 2 minutes to complete and there is no hidden small print. To help spread the cost of your purchase it is simple, low-cost and fixed-rate finance. Lending Works have been recognised with multi-award-winning customer service and have been rated Excellent on Trustpilot. The loans are flexible and come with options to overpay or settle at any time, incurring no extra charges. The Interest-bearing Flexi Finance is 9.9% APR representative.
How much will I pay in total?
To find out how much you are likely to pay, use the handy Finance Calculator to determine the Finance Options available.
What does APR stand for?
APR is Annual Percentage Rate and is a term used to define how much a loan will cost you. All fees and interest that you will pay over the term of your loan is included. Knowing the APR can be a useful way to compare financial products from alternative providers.
Can I cancel my credit agreement?
You are able to cancel your credit agreement at any time within the first 14 days, without any charges, either by returning the goods you purchased to store in its original condition and packaging, or by cancelling your credit agreement directly with Lending Works, if you still want the goods but do not wish to pay on Finance.
Is a deposit required?
Yes, for Pay in 3 Finance Option, you will be asked to pay a third of the total price as a deposit.
What card can I use to pay the deposit?
All major debit and credit cards can be used to pay the deposit.
What services do Lending Works offer to help manage my loan?
Lending Works offer its customers the chance to repay early or make an overpayment, and they can view their loan status on the Lending Works platform.
Is my payment information secure?
Yes, all customer data is encrypted and access is restricted to staff with a business need to know basis.
How are the repayments collected?
The repayments are only collected by Direct Debit.
What information is required when I apply?
For the application the following details are required:
- Identity details e.g. first name, surname etc.
- Address details
- Card details to pay the deposit and set up the direct debit for repayments.
How long is the application process?
It takes approximately 2 minutes to complete the application if all details are present.
What happens if I am referred?
If you are referred, Lending Works aims to get back to all applications via email within 2 hours (Monday – Saturday).
Flexi Finance
We have teamed up with Lending Works to provide you with flexible and affordable Finance Option – Flexi Finance. The Flexi Finance option allows you to spread the cost of your purchase (from £250-£25,000) over 6-60 months, with interest-free (0% APR representative), interest-bearing Flexi Finance (4.9% APR representative) and interest-bearing Flexi Finance (9.9% APR representative) options available.
How do I qualify?
- To qualify for a retail finance loan with Lending Works you need to:
- Be 18 years old or over.
- Hold a UK bank or building society account that is in your name, registered at your address and accepts Direct Debits.
- Have an annual income or pension before tax of £10,000 or more
- Be a UK resident and have lived in the UK for at least 3 years
Please note that goods must be delivered to the address that is used in your Finance application. This must be the same as the billing address that is linked to your bank account. Credit is subject to application and status. Movement Sound and Lighting Limited trading as The DJ Shop is acting as an intermediary and is not the lender. Loans are provided through Lending Works’ peer-to-peer lending platform. Lending Works Limited is authorised and regulated by the Financial Conduct Authority and their registered office is 60 Gray’s Inn Road, London, WC1X 8AQ and the company number is 8302549.
About the Loan
The application process is carried out online. It is quick and easy, takes approximately 2 minutes to complete and there is no hidden small print. To help spread the cost of your purchase it is simple, low-cost and a fixed rate finance. Lending Works have been recognised with multi-award-winning customer service and have been rated Excellent on Trustpilot. The loans are flexible and come with options to overpay or settle at any time, incurring no extra charges. The Interest-bearing Flexi Finance is 9.9% APR representative.
How much will I pay in total?
To find out how much you are likely to pay, use the convenient Finance Calculator to determine the Finance Options available.
Does applying for a loan affect my credit score?
You are able to check your eligibility for the loan with no impact on your credit file. Once you have accepted the credit agreement, is when this will show on your credit file to let other lenders know that you have a credit agreement with us.
What does APR stand for?
APR is Annual Percentage Rate and is a term used to define how much a loan will cost you. All fees and interest that you will pay over the term of your loan is included. Knowing the APR can be a useful way to compare financial products from alternative providers.
Can I cancel my credit agreement?
You are able to cancel your credit agreement at any time within the first 14 days, without any charges, either by returning the goods you purchased to store in its original condition and packaging, or by cancelling your credit agreement directly with Lending Works, if you still want the goods but do not wish to pay on Finance.
What card can I use to pay the deposit?
All major debit and credit cards can be used to pay the deposit.
What services do Lending Works offer to help manage my loan?
Lending Works offer its customers the chance to repay early or make an overpayment, and they can view their loan status on the Lending Works platform
Is my payment information secure?
Yes, all customer data is encrypted and access is restricted to staff with a business need to know basis.
How are the repayments collected?
The repayments are only collected by Direct Debit.
What information is required when I apply?
For the application the following details are required:
- Identity details e.g. first name, surname etc.
- Address details
- Card details to pay the deposit and set up the direct debit for repayments
How long is the application process?
It takes approximately 2 minutes to complete the application if all details are present.
What happens if I am referred?
If you are referred, Lending Works aims to get back to all applications via email within 2 hours (Monday – Saturday).
Flexible Payment Options – Pay in 3 and Flexi Finance
We have teamed up with Lending Works to provide you with two flexible and affordable Finance Options.
If you qualify, the Pay in 3 option allows you to spread the cost of your smaller purchases (from £50-£250) over 3 monthly instalments with 0% APR finance.
The Flexi Finance option allows you to spread the cost of your purchase (from £250-£25,000) over 6-60 months, with interest-free (0% APR representative), interest-bearing Flexi Finance (4.9% APR representative) and interest-bearing Flexi Finance (9.9% APR representative) options available.
How do I qualify?
- To qualify for a retail finance loan with Lending Works you need to:
- Be 18 years old or over.
- Hold a UK bank or building society account that is in your name, registered at your address and accepts Direct Debits.
- Have an annual income or pension before tax of £10,000 or more
- Be a UK resident and have lived in the UK for at least 3 years
Please note that goods must be delivered to the address that is used in your Finance application. This must be the same as the billing address that is linked to your bank account.
Credit is subject to application and status. Movement Sound and Lighting Limited trading as The DJ Shop is acting as an intermediary and is not the lender. Loans are provided through Lending Works’ peer-to-peer lending platform. Lending Works Limited is authorised and regulated by the Financial Conduct Authority and their registered office is 60 Gray’s Inn Road, London, WC1X 8AQ and the company number is 8302549.
About the Loan
The application process is carried out online. It is quick and easy, takes approximately 2 minutes to complete and there is no hidden small print. To help spread the cost of your purchase it is simple, low-cost and a fixed rate finance. Lending Works have been recognised with multi award-winning customer service and have been rated Excellent on Trustpilot. The loans are flexible, and come with options to overpay or settle at any time, incurring no extra charges. The Interest-bearing Flexi Finance is 9.9% APR representative.
How much will I pay in total?
To find out how much you are likely to pay, use the convenient Finance Calculator to determine the Finance Options available.
Does applying for a loan affect my credit score?
You are able to check your eligibility for the loan with no impact on your credit file. Once you have accepted the credit agreement, is when this will show on your credit file to let other lenders know that you have a credit agreement with us.
What does APR stand for?
APR is Annual Percentage Rate and is a term used to define how much a loan will cost you. All fees and interest that you will pay over the term of your loan is included. Knowing the APR can be a useful way to compare financial products from alternative providers.
Can I cancel my credit agreement?
You are able to cancel your credit agreement at any time within the first 14 days, without any charges, either by returning the goods you purchased to store in its original condition and packaging, or by cancelling your credit agreement directly with Lending Works, if you still want the goods but do not wish to pay on Finance.
Is a deposit required?
Yes, for Pay in 3 Finance Option, you will be asked to pay a third of the total price as a deposit.
What card can I use to pay the deposit?
All major debit and credit cards can be used to pay the deposit.
What services do Lending Works offer to help manage my loan?
Lending Works offer its customers the chance to repay early or make an overpayment, and they can view their loan status on the Lending Works platform.
Is my payment information secure?
Yes, all customer data is encrypted and access is restricted to staff with a business need to know basis.
How are the repayments collected?
The repayments are only collected by Direct Debit.
What information is required when I apply?
For the application the following details are required:
- Identity details e.g. first name, surname etc.
- Address details
- Card details to pay the deposit and set up the direct debit for repayments
How long is the application process?
It takes approximately 2 minutes to complete the application if all details are present.
What happens if I am referred?
If you are referred, Lending Works aims to get back to all applications via email within 2 hours (Monday – Saturday).