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Pay in Instalments - Flexible Payments with Divido


John Packer offer a range of attractive finance packages on purchases over £1,000 such as Buy now Pay 6 months later at 0%* (19.9 APR after 6 months) or  9.9% over a maximum of 36 months.

Finance is carried out through our partner Divido (https://www.divido.com/).The application process is simple, takes around 5 minutes for you to complete, is carried out in store or by phone with a decision made within 30 seconds of completion.

If you decide to take advantage of our instalment plans, here's a quick guide to everything you'll need to know. 

 

Buy Now, Pay Later

With our Buy Now Pay Later deals you can defer the entire payment for 6 months. So long as you pay off the loan within the agreed promotional period you will not be charged any interest, just a £29 settlement fee.

Here is a representative example where you pay off the loan within the promotional period:

  • Cash Price: £1,000
  • Deposit: £0
  • Amount of Credit: £1,000
  • Number of Payments: 1
  • Fee: £29
  • Total payable: £1,029 (within the promotional period of 6 months)

Here is a representative example where you do not pay off the loan within the promotional period:

  • Cash Price: £1,000
  • Deposit: £0
  • Amount of Credit: £1,000
  • Promotional Period: £0 for 6 months
  • Number of Payments: 36
  • Interest Rate: 19.9% APR
  • 36 Monthly Payments of £39.75
  • Total payable: £1,431.15
  • Total amount of interest: £431.15

 

Standard Interest Bearing Loans 

We can also offer standard interest bearing loans from 12 months over a maximum of 36 months with a minimum 10% deposit.

 Here is a representative example:

  • Cash Price: £1,000
  • Deposit: £100
  • Amount of Credit: £900
  • Number of Payments: 36
  • Interest Rate: 9.9% APR
  • 36 Monthly Payments of £28.83
  • Total payable: £1,137.87
  • Total amount of interest: £137.87

 

Who is Eligible for Finance?

Applying for an instalment plan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history - (no late payments, CCJ's, etc) - and meet the following minimum criteria:

• Be a UK resident

• Be over 18 years of age

• Have 3 years of UK address history

• Be working at least 16 hours per week

• Have a valid phone number and email address

• Delivery address must be to the address you put on your finance application (billing address).

 

Questions?

Feel free to give us a ring on 01823 282386 or send us an email on sales@johnpacker.co.uk, and we would be happy to answer any questions you might have. Alternatively, pop into our shop and we can process your application while you wait.

About Divido

Divido Financial Services Limited (‘Divido’) is authorised and regulated by the Financial Conduct Authority. For more information, please visit: https://www.divido.com/

 

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