To apply for interest free credit, you must be:
- Over the age of 18 years old
- An account holder to a UK bank account/building society that accepts direct debits
- In employment, working at least 16 hours a week (or have a regular household income*)
*Pensions, carer's allowance and certain benefits are accepted as income and can be used on your finance application.
Before applying for interest free credit, you can check how likely you are to be approved, and how much you could borrow, with our quick and simple interest free credit eligibility checker.
You can only perform one eligibility check every 90 days. This is a soft credit search that won’t impact your credit score and won’t be seen by any lender other than the finance provider performing the check, Creation Consumer Finance Limited.
To check your eligibility, we ask for the following information:
- How much you would like to borrow over how many months
- Your contact details
- Your address history (in the last 3 years)
- Your employment and household income details
We’ll then let you know whether you’re likely to be approved for interest free credit and how much you could borrow.
Your eligibility check outcome is only valid for 30 days. If your circumstances change – whether you have a change of address, change of employment, or other – you can update these details when you go on to place your order. Once you complete your finance application, one of our finance providers will perform a hard credit check, which will show up on your credit report and can affect your credit score, regardless of the outcome.
Remember that your credit limit represents the maximum amount you can potentially borrow. We encourage you to borrow responsibly and only apply for an amount that is affordable to you. If the value of your purchase exceeds the amount you can potentially borrow, there may be other options available to you, including paying a cash deposit.
For further information and help on applying for finance, please give our personal shoppers a call on 0800 110 5000.