0% Finance Interest Free Credit

Thinking of Choosing Finance?

We are able to offer 0% deals over 12 months on a selected range of our products.

Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online.

The quick application form takes no more than a couple of minutes to complete and then you’ll receive an prompt decision.

• Check Your Eligibility

  • Before you apply please note you will only be considered for finance if you:

    Are at least 18 years old.

    Are in regular full or part-time employment (minimum 16 hours per week or £10,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance).

    Are a permanent UK resident and have lived in the UK for at least 3 years.

    Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

• Our Payment Plan Options

  • We offer a range of interest-free finance options to help you spread the cost of your purchase over 12 months. The minimum value of the loan needs to be £399 and with no deposit required.

    Representative example would be:

    0% finance over 12 months

    Total order value = £420

    0% deposit = £0

    Total amount of credit = £420

    Duration = 12 months

    Representative APR = 0%

    Interest charged = £0

    12 monthly payments of = £35.00

    Total amount payable = £420

• Paying with Finance

  • If purchasing online, first add the items you wish to purchase to your basket. When you reach the checkout payment page select 'Pay By Finance' option and press 'Apply For Finance''. The quick application form takes no more than a couple of minutes to complete. Or, if you are making a purchasing from a quotation we have provided we'll provide you with the online application form, which takes a couple of minutes to complete.

    Take a look at our products available online for purchase using 0% Finance here.

• Repaying the Loan

  • Your first direct debit payment will be taken about 25 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.

• Cancellation

  • There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi. Please note unless the goods are faulty or not as described the customer is responsible or arranging and paying for the return of the goods.

    A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application. They will let you know of any outstanding balance if applicable.

• The Legal Bit

  • Any late or missed repayments may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future.
    Offered subject to status and successful credit assessment.
    
    QD Stores (Quality Discounts) trading as QD Stores (Quality Discounts) acts as a credit broker and not a lender, offering credit products provided by Specialist Lending Ltd (trading as Duologi). Duologi is a trading name of Specialist Lending Ltd which is a limited company registered in England & Wales under number 10664999 at the registered address: The Square, Basing View, Basingstoke, Hants, RG21 4EB. Authorised and regulated by the Financial Conduct Authority. For more information please go to www.Duologi.com/faq.

FAQs

We’ve partnered with Duologi who have years of experience providing finance agreements and are authorised and regulated by the Financial Conduct Authority. Take a look below at some of the most frequently asked questions about Finance.

• Will I be accepted for finance?

  • Whether your accepted for finance or not depends on many different factors. At Duologi we have a dedicated credit team who use our bespoke credit engine to help them reach decisions.

• What do I do if I have been declined?

  • If your application was declined, we advise that you obtain a copy of your credit report so you can see the potential reasons why. If you feel that there has been a mistake, please feel free to contact us via email at credit@duologi.com or by using our live chat feature.

• I've changed my mind, can I cancel my agreement?

  • Of course. Please contact the retailer you purchased the goods or service from and they will be more than happy to help you cancel the agreement.

• I want to amend my order.

  • You will need to contact the business that you purchased the goods or services from. They will be able to make the necessary changes to your order.

• I have a question about my finance agreement who should I contact?

  • Please contact our after-sales support team on 0345 5211 881 or via email at customers@duologi.com.

• I haven't received my goods or service.

  • Please contact the business that you purchased the goods or services from. They will be able to help you.

• I want to change my direct debit details.

  • Please contact our after-sales support team on 0345 5211 881 or via email at customers@duologi.com.

• I want to update my personal details.

  • Please contact our after-sales support team on 0345 5211 881 or via email at customers@duologi.com.

• What is a credit search?

  • A credit search occurs when a third party investigates your credit report. They're looking to see how you manage your credit now, and how you've managed it in the past. This search may then be recorded on your credit report for other third parties to see. This is useful to lenders because if you've made multiple applications for credit recently, it could suggest to them that you have an urgent need for credit which you may struggle to pay back.

• I'm having problems paying my deposit online

  • We're sorry to hear this. Please contact our pre-sales support team on 0345 5211 881 or via email at customers@duologi.com or by using our live chat feature.

• When will I receive a copy of my loan agreement?

  • Your loan agreement along with all the regulatory paperwork is emailed to the email address you entered in your application. It should be there waiting for you by the time you've finished your application. If for any reason it isn't, please contact our after-sales support team on 0345 5211 881 or via email at customers@duologi.com who will be more than happy to help.