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Gaming PC Finance

Pay Monthly Gaming PC

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 on Finance. That is why we are launching a finance option on our products so you can get your dream PC and manage the costs in the process.

Hitachi Buy Now Pay in 12 months

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) - £750.00

Deposit (10%) - £75.00

Loan amount - £675.00

Representative APR - 19.9%

36 monthly repayments of £28.94

Total term of loan agreement - 4 years

Total charge for credit - £366.74

Total amount payable - £1041.74
 
Hitachi Interest Finance Option 12 months


The 12 months "Interest Finance Option" is a 48 month (4 year) finance package which will allow you to purchase a computer system now and begin making repayments 1 month after the dispatch date.

As part of the package you have the option to settle the remaining balance in full at any point during the first 12 months without paying any interest - you will only need to pay off the remaining balance.

If you have not settled the remaining balance during the first twelve months, your monthly repayments will continue for a further three years and the total balance payable will include interest.

The Representative Annual Percentage Rate (APR) is fixed at 19.9% and would be payable monthly. The deposit for this finance option is 10% of the total amount (payable only by credit/debit card) on one of our systems, and for example on the system that you have just configured, the deposit would be £100.00.

There is no arrangement fee for the finance, but if you choose to settle your balance within the first twelve months a one-off early settlement fee of £29.00 will be charged.

In simple terms - the interest finance option allows you to purchase a computer now, and providing the remaining balance is paid within twelve months, the only charge for finance will be a £29.00 early settlement fee!

Representative example:

Order value (Inc. delivery & VAT) - £750.00

Deposit (10%) - £75.00

Loan amount - £675.00

Representative APR - 19.9%

48 monthly repayments of £22.93

Total term of loan agreement - 4 years

Total charge for credit - £425.63

Total amount payable - £1100.63

Hitachi Interest Bearing Agreement (Traditional Finance) 3 & 4 Year

3 Year

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) - £759.95

Deposit (10%) - £76.00

Loan amount - £683.95

Representative APR - 15.9%

36 monthly repayments of £23.65

Total term of loan agreement - 3 years

Total charge for credit - £167.45

Total amount payable - £927.40

4 Year

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) - £759.95

Deposit (10%) - £76.00

Loan amount - £683.95

Representative APR - 15.9%

48 monthly repayments of £18.98

Total term of loan agreement - 4 years

Total charge for credit - £227.09

Total amount payable - £987.04

Hitachi Simply 10

Available on orders of PC systems with a total value of £500.00 or more. Simply 10 finance allows you to pay for your order in 10 equal monthly instalments.

Representative example

Order value (Inc. delivery & VAT) - £500.00

Deposit (10%) - £50.00

Loan amount - £450.00

Representative APR - 26.3%

10 monthly repayments of £50.00

Total term of loan agreement - 10 months

Total charge for credit - £50.00

Total amount payable - £550.00

Frequently asked questions

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 Hitachi Capital. 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 a 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 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

Consumer Services, Callcredit Limited, 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.

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 Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Buy your Gaming PC on Finance from Fierce PC!