0% Finance - QD Stores

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 instant 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 £5,000 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 = £480
0% deposit = £0
Total amount of credit = £400
Duration = 12 months
Representative APR = 0%
Interest charged = £0
12 monthly payments of = £40.00
Total amount payable = £480

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 and then you’ll receive an instant decision. 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 and then you will receive an instant decision.

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

Finance Decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and the process is complete.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

Repaying the Loan

Your first direct debit payment will be taken about 30 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

QD Stores (Quality Discounts) act as a credit intermediary. Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. You will be offered the best rate available based on your personal credit history and Duologi's credit decision policies.

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to www.Duologi.com/faq or visit www.Duologi.com.

FAQs

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 on-line

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.