We accept:
PAY MONTHLY GAMING PCS
WHICH FINANCE OPTION IS RIGHT FOR YOU?
We know not everybody can afford to pay upfront for a great gaming PC they desperately want or need - That's why we offer Gaming PCs and our other products on finance so you can get your dream PC and manage the costs in the process.
Countdown Interest Bearing / Buy Now Pay Later
This is a buy now pay later finance agreement. After initially paying a 10% deposit, you will not be required to make any further payments for 12 months. Please note that this 12 month period begins on the date the finance agreement is proposed, not when it is signed or the goods are delivered. There is an early settlement fee of just £29. Therefore, if, for example, your total order value is £750.00, this would make the total amount payable (if repaid during the initial 12 month period) £779.00. Should you choose not to settle the balance during the initial 12 months, then the amount owed will be repaid on a monthly basis over the next 3 years at the interest rate stated on the loan agreement. It is still possible to settle the balance early, however interest will be applied from the start of the agreement to the settlement day plus 30 days from the day you settle. An illustration is shown below, please note this is indicative and actual monthly payments may vary by a few pence per month.
Representative example
Order value (inc delivery & VAT)
£1200
Deposit (10%)
£120
Loan amount
£1080
Representative APR
19.9%
36 monthly repayments
£46.30
Total term of loan agreement
48 Months
Total amount payable
£1786.80
Novuna Interest Bearing Agreement (Traditional Finance) 2, 3 & 4 Year
24 Month
This is a traditional 2 year finance arrangement which continues until completion of the 2 year term.
After initially paying a 10% deposit, repayments on a monthly basis inclusive of the interest rate per the agreement will start 1 month after the order date as illustrated below, though actual payments may vary by a few pence each month.
Representative example
Order value (inc delivery & VAT)
£1200
Deposit (10%)
£120
Loan amount
£1080
Representative APR
14.9%
24 monthly repayments
£51.84
Total term of loan agreement
24 Months
Total amount payable
£1364.16
36 Month
This is a traditional 3 year finance arrangement which continues until completion of the 3 year term.
After initially paying a 10% deposit, repayments on a monthly basis inclusive of the interest rate per the agreement will start 1 month after the order date as illustrated below, though actual payments may vary by a few pence each month.
Representative example
Order value (inc delivery & VAT)
£1200
Deposit (10%)
£120
Loan amount
£1080
Representative APR
14.9%
36 monthly repayments
£36.90
Total term of loan agreement
36 Months
Total amount payable
£1,448.40
48 Month
This is a traditional 4 year finance arrangement which continues until completion of the 4 year term.
After initially paying a 10% deposit, repayments on a monthly basis inclusive of the interest rate per the agreement will start 1 month after the order date as illustrated below, though actual payments may vary by a few pence each month.
Representative example
Order value (inc delivery & VAT)
£1200
Deposit (10%)
£120
Loan amount
£1080
Representative APR
14.9%
48 monthly repayments
£29.50
Total term of loan agreement
48 Months
Total amount payable
£1,536.00
Novuna Simply 12
Available on orders of PC systems with a total value of £500.00 or more. Simply 12 finance allows you to pay for your order in 12 equal monthly installments.
All you need to do is:
1. Spend a minimum £500 and above
2. Place a 10% deposit
Representative example
Order value (inc delivery & VAT)
£1200
Deposit (10%)
£120
Loan amount
£1080
Representative APR
19.9%
12 monthly repayments
£99.17
Total term of loan agreement
12 months
Total amount payable
£1,310.04
FREQUENTLY ASKED QUESTIONS
Applying for online finance
Applying for online finance couldn't be easier or more convenient. When you buy online from Fierce PC you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
Buy your Gaming PC on Finance from Fierce PC!
Credit subject to status and affordability. Terms & Conditions Apply. Fierce PC are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a division of Novuna Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.
PAY MONTHLY GAMING PCS
WHICH FINANCE OPTION IS RIGHT FOR YOU?
We know not everybody can afford to pay upfront for a great gaming PC they desperately want or need - That's why we offer Gaming PCs and our other products on finance so you can get your dream PC and manage the costs in the process.
Part 1: How it works
Shop now. Pay later with Klarna.
We’re excited to announce we have partnered with Klarna to bring you new ways to pay at checkout. It’s a safe and simple way to get the stuff you want, when you want it.
Here’s how it works:
Step 1
Add products to your cart and select “Pay in 30 days” or "Pay in instalments" when you check out
Step 2
Enter a few personal details and you’ll know instantly if you’re approved
Step 3
Klarna will send you an email confirmation and reminders when it’s time to pay
Step 4
You can complete your future Klarna purchases with just one click
Part 2: Payments information
Pay in 30 days
Try your stuff at home and decide which items you want to keep. Make your payment in full 30 days after your purchase is shipped. No upfront payments, no interest, and no fees.
Pay in 3 interest-free instalments
Split your purchase into three equal payments. Just enter the credit or debit card details of your choice and make automatic payments every 30 days. No credit checks, and no interest or fees.
12 months interest free
24 months 14% APR
36 months 14% APR
Financing
Apply for monthly financing during checkout. It’s a simple, 2-step application process with an instant decision. When approved, you can manage your payments and get payment reminders in the Klarna App.
Part 3: About Klarna
Pay online or in the app
Review your latest purchases and make payments in the Klarna app or online.
- Download the Klarna app: https://www.klarna.com/app
- Log in online: https://app.klarna.com/login
- Chat with customer service: https://www.klarna.com/uk/customer-service/
Safe and secure
With Klarna, you are always covered through Klarna’s Buyer Protection policy. Modern safeguards protect your information to prevent unauthorized purchases.
Frequently asked questions
Visit our FAQ (https://www.klarna.com/uk/customer-service/) page to find out more about using Klarna.
About Klarna
At Klarna, we have a relentless focus on creating the best shopping experience in the world. We believe payments are so much more than just a way to send money. That’s why our smooth payment methods give you more time, control and joy so you can focus on the things you love.
- 80 million shoppers are using Klarna.
- 190,000 retailers are working with us worldwide.
- We’ve been powering online checkouts for 14 years.
Risk warnings
For regulated credit products. Financial promotions may contravene the FCA's 'clear, fair and not misleading' rules if they omit relevant risk warnings. Examples of relevant risk warnings for regulated products include:
- 'Late or missing repayments may have serious consequences for you and cause you serious money problems'
- 'Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future'
- 'If you do not make your full monthly payment, the interest free arrangement will cease and you'll be required to pay interest on all future payments at X% APR Representative'
Specific FCA rules for Buy Now Pay Later products.
The FCA has more detailed rules concerning Buy now, pay later credit products (BNPL). Your BNPL financial promotion is likely to be misleading by omission if it: • Refers to a zero percent or low interest, introductory or other promotional offer available under a BNPL agreement • Does so in a way that is likely to influence a consumer’s decision about whether to enter into a BNPL agreement or whether and how to make use of credit available under an existing BNPL agreement; and • Does not include in a fair and prominent manner material information about relevant risks Relevant risks relating to BNPL credit include the limitations that apply to any zero percentage or low interest, introductory or other promotional offer, including the circumstances in which interest or charges could become payable and how these would be calculated if those circumstances arose, including the date from which interest or charges would accrue, the rate of that interest or those charges and the amount of principal on which the interest would be charged. The average consumer is likely to need information about these matters to make an informed decision about whether to enter into a BNPL agreement. The information that a financial promotion about a BNPL agreement is required to include to avoid a misleading effect and how that information should be presented, will depend on the context of the communication or financial promotion, including its medium and any other information that you have provided to the recipient
For exempt credit products.
It is good practice to add risk warnings on advertisements for exempt products. Examples of relevant risk warnings for exempt products include:
Please spend responsibly – Borrowing beyond your means could seriously affect your financial status, ensure you can afford to make your repayments on time by the due date.
Failure to make payment on time could result in your debt being passed to a debt collection agency and affect future lending decisions made by Klarna.
FREQUENTLY ASKED QUESTIONS
How do I choose to PaybyFinance?
Just select the finance option on the checkout page or let the sales consultant know if you're buying in-store or at an event.
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
When do I pay the deposit?
Payment for your deposit is taken before you complete the finance application.
What happens to my deposit if my application is declined?
If your application is declined, your deposit will automatically be refunded. It may take a few days to show back in your account.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on-screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the credit agreement Fierce PC 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. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income, and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with the 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 under the age of 18.
Your existing account performance with other lenders.
What type of information do credit reference agencies hold about me?
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 the 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.
How do I obtain a copy of this information?
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 via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
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 6 months between applications.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday deliveries can be arranged if this is more convenient for you.
Applying for online finance
Applying for online finance couldn't be easier or more convenient. When you buy online from Fierce PC you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
Buy your Gaming PC on Finance from Fierce PC!
Punch Technology Ltd is authorised and regulated by the Financial Conduct Authority (FCA FRN 771752) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Bank AB (publ). Finance is only available to permanent UK residents aged 18+, subject to status, terms and conditions apply. Punch Technology Ltd, Meyer Building, Plantation Road, Wirral International Business Park, Bromborough, CH62 3RH, Klarna Bank AB (publ) is authorised by the Swedish Financial Supervisory Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of this regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from Klarna Bank AB (publ) on request.
Punch Technology Ltd is not a lender and acts only as an introducer. The credit product is provided by Klarna Bank AB (publ). Credit is only available to permanent UK residents aged 18 and over, subject to status. Terms and conditions apply. Please note that Pay in 30 days and Pay in 3 instalments are not regulated by the FCA.
Buy now pay later when you spend £500 (inc. VAT) or more. Working with V12 Retail Finance, Fierce PC can offer a variety of Buy now, Pay Later payment options to ensure you’re up-and-gaming with no delays. With as little as a 10% deposit, and a quick and easy application process, you will have your decision in no time.
Finance options
We offer the following Finance Options:
- Interest Free Finance (6 Months)
- Classic Credit 12 months 17.9%
- Classic Credit 24 months 17.9%
- Classic Credit 36 Months 17.9%
- Buy Now Pay Later (6 Months / 36) 19.9%
Buy Now Pay Later (BNPL) means you can purchase any eligible product(s) from the Fierce PC website, and, with the exception of a 10% deposit, you will make no payments for 6 months.
HOW DOES IT WORK?
Buy Now Pay Later means buy now and pay the total repayable amount in full within the agreed term (six months) and you will be charged absolutely no interest. Should the balance not be paid in full by the end of the agreed term you will automatically enter into a loan agreement with 36 equal payments with a representative APR of 19.9%. If you settle earlier than 36 months you will only pay the interest accrued over the number of months you have been paying the loan.
REPRESENTATIVE EXAMPLES
BUY NOW PAY LATER (6 MONTHS/36) 19.9% REPRESENTATIVE EXAMPLE
| Purchase price | £1,899.95 |
| Deposit amount | Min. £190 |
| Deferral period | 6 Months |
| Settlement fee | £29.00 |
| Total repayable within deferral period | £1,899.95 |
| Pay over | 36 Months |
| Credit amount | £1,709.95 |
| APR | 19.9% |
| Instalment amount | £67.96 |
| Amount repayable | £2,636.57 |
As well as Buy Now Pay Later, we also offer a range of traditional credit options, allowing you to split the cost over 12, 24 or 36 equal monthly payments at a low APR of 17.9% on all balances above £500. Classic finance options are an interest bearing personal loan.
CLASSIC CREDIT 12 MONTHS 17.9% REPRESENTATIVE EXAMPLE
| Goods price | £899.95 |
| Deposit amount | Min. £90 |
| Loan amount | £809.95 |
| Interest rate | 17.9% p.a fixed |
| Representative | 17.9% APR |
| 12 monthly repayments of | £73.91 |
| Cost of finance | £74.57 |
| Total amount repayable | £974.52 |
Punch Technology Limited trading as Fierce PC acts as a credit broker and only offers credit products from Secure Trust Bank plc trading as V12 Retail Finance. Punch Technology Limited trading as Fierce PC is authorised and regulated by the Financial Conduct Authority. Our registration number is 809833. Credit provided subject to age and status.
What is financing?
Financing is a method of payment which allows you to make a small, initial outlay and then spread the cost of your purchase over an amount of time that suits you. Our finance options come in the form of “Interest Free”, “Interest Bearing” and “Buy Now, Pay Later”.
Who is eligible?
V12 Retail finance is available to individuals who:
- are 18 or older
- are, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit with an income
- have been a resident in the UK for at least 3 years
- have a Bank or Building Society current account available (needed to complete the direct debit instruction)
How can I apply?
We have made the process of applying as quick and as easy as possible. On all eligible products on our site, you will see a V12 finance calculator that will allow you to see the payments you will be making over your finance period. Once you have chosen your product and proceeded to the checkout, enter your shipping details and proceed to the payments section. Here, you can select ‘Apply for Finance’. You will be redirected to the V12 finance portal where you will be required to fill out a simple online application form. In most cases, the decision will be made immediately, although in some cases, your application may need to be referred.
How much can I borrow?
V12 Retail Finance can approve you instantly for up to £15,000, ensuring the setup of your dreams is within reach.
Is a deposit required?
We require a minimum 10% deposit for all V12 finance purchases, though you can put as much as a 50% deposit down. This will need to be paid upon acceptance on all finance options.
When will I know if my application for financing has been approved?
When reaching decision stage, each application will display one of the following decisions on screen, along with notifying you via email to the decision email you have provided.
Approved – You have been approved for the agreement values submitted. You can now proceed through the application and sign the credit agreement.
Declined – You have not been approved for the agreement values submitted and will be given an option to print off V12’s information page about declined applications.
Referred – The application has been referred to V12’s specialist teams for a more detailed review. V12 aim to provide a decision within 24 hours for web applications.
In a small number of cases, it may take longer to carry out additional checks. If V12 require further information, they will contact you directly. As soon as V12 have reached a decision, you will be advised via email.
When does my order get processed?
Once you have returned your completed, approved application and your deposit is paid, we will process your order as normal.
I need to change the address on my order?
Unfortunately, in order to safeguard against fraudulent applications, we must deliver to the shipping address listed in your application.
How are my monthly payments made?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.
What type of goods can I buy on Finance?
Anything on our website. Please remember that the minimum order value for finance is £500(inc vat)
Can I pay off my loan early?
Yes, you can make additional payments at any time on your V12 Self-Service Portal account. V12 can accept additional payments made by debit card on your V12 Self-Service Portal account or over the phone, or you can make a payment by bank transfer. Additional payments will reflect differently depending on your account type. You can choose for the lump sum payment to reduce the remaining term of your agreement by keeping your monthly payment amount the same or keep your remaining term the same and reduce your monthly payment amount.
Will I receive confirmation that I have made all my payments?
Yes, you'll get confirmation of your account being settled sent via email if your communication preference is set to email. This will usually be sent around 10 days after V12 receive your last payment. The confirmation will be sent to the email address you have registered, please check your V12 Self-Service portal account to ensure your details are correct.
How can I check my outstanding balance?
You can check your outstanding balance online on your V12 Self-Service Portal.
Can I view my statement online?
Yes, you can view your annual statement online on your V12 Self-Service Portal account. You'll receive your statement on an annual basis emailed to you when it's ready. In the meantime, you can view your transaction history live on your V12 Self-Service Portal account.
Who provides the finance?
Secure Trust Bank PLC t/a V12 Retail Finance is the lender.
In case of complaints
We like to think that all our customers will be happy with their products from Fierce PC, but where the need arises to make a complaint, please be assured that we take it very seriously.
If, for any reason, you are unhappy with the goods you have received, you may contact us via:
Phone: 01706 214 233
Email: [email protected]
Address: Punch Technology Ltd, Meyer Building, Wirral International Business Park, Bromborough, Wirral, CH62 3RH.
For all complaints received via email, we endeavour to respond within 5 business days.
If your complaint relates to your finance agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider V12 Retail Finance. V12 will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks. You can make your complaint by contacting the V12 Customer Resolutions Team by email at [email protected] or by logging onto your V12 Self-Service account and sending a secure message.
You can also make your complaint in writing to V12 at the address below.
V12 Retail Finance
25-26 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ
If you need to speak with someone via telephone, please call the V12 Customer Services team on 029 2046 8900.
V12 aim to resolve your complaint by the end of the third business day following receipt of your complaint. The full V12 complaints process can be accessed here; Complaints Process - V12 Retail Finance
What to do if you can't reach an agreement
In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response.
Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk.
They can be contacted in the following ways:
Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 0300 123 9 123
E-mail: [email protected]
Further details can be found on the Financial Ombudsman Service website - www.financial-ombudsman.org.uk
Pay with PayPal Pay in 3
We know that not everybody can afford to pay upfront for a great Gaming PC they desperately want or need - That's why we offer PayPal Pay in 3 for our Gaming PCs and other Fierce products so you can get your dream PC and manage the costs in the process.
Choose Pay in 3 at checkout where Paypal is available, and enjoy the power to split your purchase into three-free payments, with no fees or charges. It's a great way to help you stay in control of your budget.
To use PayPal Payment options at checkout, please ensure you are logged in to your PayPal account.
Click the link below to find out more about PayPal Pay in 3.