Buy Now Pay Later Finance Option
With our no-deposit Buy Now Pay Later option through Barclays Partner Finance, pay nothing for six months when you spend over £250. Then either settle the cash price in full by paying a £29 settlement fee, or choose to spread the cost over 36 months at 19.9% APR Representative. Please see the representative example below to see how much this could cost.
Applying for finance is simple to do with easy-to-understand repayments. 19.9% APR Representative.
|Item Value (Cash Price)||£1097|
|Agreement Duration||42 Months|
|Total Amount Credit||£1097|
|Monthly Instalments||36 x £42.94|
|Total Amount Payable||£1545.84|
|Annual Rate of Interest||19.9% P.A.|
|Representative APR||19.9% APR|
Are you eligible for finance?
Applicants must be:
- Aged 18 years or older from the application date
- In permanent UK residence for a minimum of three years
- Fulfil at least one of the following employment criteria:
- In regular, permanent employment of a minimum of 16 hours per week
- Retired from regular employment - with a minimum age of 50.
- Not working through disability.
Note: All applicants will be subject to a credit reference check by the lender.
Credit is subject to application and status. Warehouse Express Ltd trading as Wex Photographic acts as a credit broker and not the lender.
Barclays Partner Finance acts as the lender.
To apply for finance, follow these three easy steps
† Once your application has been accepted, usually within minutes, we will immediately dispatch your equipment.
Which products are eligible for purchase under finance agreements?
A product may be bought using one of our finance options, providing the total order value is at least £250 (£300 for showroom orders) and does not exceed £50,000. Note that the Interest Free Credit option is only available on selected products. If this option is available you will find it on the right hand side of the page under the 'add to basket' button. Where available, the option to apply for finance will be shown during the checkout process. Applications can also be made over the telephone or in person at our showroom. Our financing partner will endeavour to give an immediate decision on applications made online but, in some circumstances, such applications may be referred for further review prior to a decision being made.
If you choose to apply for finance online, the delivery date selected earlier in the checkout process may not apply; your delivery date may be later due to the time required to process your financing application. In these circumstances, we will contact you to confirm the expected delivery date of your order.
Can I pay an initial deposit?
You can pay an optional 10% (minimum) of the total value of the goods at the start of your finance terms. You can even pay more than 10%, however, the value under finance must not drop below the £250 value threshold if that is the case.
Where can finance orders be delivered to?
Finance orders can be only be delivered to your billing address.
How do I set up a finance application and how long will it take?
Where available, the option to apply for finance will be shown as a payment option during the checkout process. Applications can also be made over the telephone or in person at our showroom. Our financing partner will endeavour to give an immediate decision on applications made online but, in some circumstances, such applications may be referred for further review prior to a decision being made.
If you choose to apply for finance online, the delivery date selected earlier in the checkout process may not apply. Your delivery date may be later due to the time required to process your financing application. In these circumstances, we will contact you to confirm the expected delivery date of your order.
How do I pay for my order using the Buy Now Pay Later finance option?
Simply click ‘Apply for Finance’ when choosing your payment method. This option appears after you have selected your delivery address (Note: you must select your billing address for delivery). You will then be asked to select the preferred finance option; in this case select ‘Buy Now Pay Later.’
Once you have confirmed you have understood all terms and conditions you will be directed to the Barclays Partner Finance portal, which will then proceed with your application. Once complete and your application has been approved by Barclays Partner Finance you will receive notice from them of the loan terms. We will dispatch goods once we hear from Barclays Partner Finance that your application has been approved (depending on stock level of your order).
What information will I need to provide when applying?
In order to complete your finance application, you will need to provide some personal information. Please ensure you have the following information to hand:
- Your full name (including your middle name if applicable)
- Your date of birth - applicant must be 18 years or over on application date
- Your nationality
- At least 3 consecutive years' worth of address history within the UK
- Contact telephone numbers (home, work and/or mobile telephone)
- Number of children under the age of 18 years old, still living at home
- Bank details
- Existing rental commitments (if applicable)
- Gross annual income
To apply for finance, you must fall into one of the employment categories described below. If you are not employed or have not lived in the UK for at least three consecutive years, you will not qualify for a finance agreement. If you do fall into one of the following categories, you will need to provide the information outlined below:
If you are employed (you must be working at least 16 hours a week), the following details are required:
- Employer's name
- Employer's address
- Employer's contact telephone number
- Duration of employment at this organisation
If you are self-employed, please provide:
- Your company name
- Your registered company address
- A business telephone number
- Length of time you have been self-employed
- Proof of self-employment in the form of your tax reference number (UTR) or VAT-registration number. A CIS number is also acceptable
If you are retired, details of your last employment are required:
- Company name
- Town/city you worked in
- How long you were employed by the company before you retired
- Some pension details
- Details of any income support or disability benefit you receive
- If you are not formally employed or self-employed but have a partner who is, you may still be eligible for finance. In this case, you will need the following details to hand: details of your partner’s employment, including job title, name of employer, employer's address, employer's contact telephone number and length of employment
My application was approved. Why don’t I have my order or a dispatch confirmation?
Once your application is approved, you should receive two emails from Barclays Partner Finance. One with a link (in order to e-sign the application) and the other which contains a unique password. Once you complete the e-sign, your application then moves to Barclays security team who carry out the final checks. Once Barclays approve the agreement, they will notify us that we can dispatch the goods. During busy periods this can take a couple of days. Wex will dispatch the goods as soon as we receive the notification from Barclays but are unable to dispatch goods before.
How will my repayments be collected?
Your first installment will be collected by Direct Debit 30 days after shipment of the product. Further information on how to make such repayments will be set out in the loan agreement pack provided by Barclays Partner Finance. Note: in some cases the final monthly payment may differ slightly to the proceeding months.
Can I repay early? If so how?
No repayments are scheduled in the initial six-month deferral period. However, it is possible to pay off the loan, either by way of a lump sum or in smaller amounts. If the loan is fully repaid within the six-month deferral period, then no interest is payable, but a £29 early-settlement will be incurred. Such repayments may be made to Barclays Partner Finance by cheque, debit card or standing order. Unfortunately, it is not possible to set up a direct debit within the deferral period. Further information on how to make such repayments will be set out in the loan agreement pack provided by Barclays Partner Finance.
What will I receive from the finance provider (lender)?
Barclays Partner Finance will send a loan agreement pack approximately four weeks after delivery of the goods, confirming that the account has been activated and, from this point, it is possible to make prepayments against the loan.
What happens if I don’t repay within the first six months (deferral period)?
Following the six-month deferral period, Barclays Partner Finance will initiate a monthly direct debit payment for the remaining duration of the loan. Interest will be charged at a rate of 19.9% APR on outstanding balances (backdated to the first date of the loan). Late payment penalties and early repayment charges will apply from this point. Barclays Partner Finance will send a reminder letter approximately one month before the six-month deferral periodis due to elapse. Note: If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.
I have another question not listed here, who can I speak to?
If you have any further queries, please Contact Us.
For further information on our other finance products View alternative finance options.
Credit is available to UK residents aged 18 or over and is subject to application and status. Written details are available up on request. Finance is provided by Clydesdale Financial Services Limited (trading as Barclays Partner Finance) ("the Lender"), a wholly owned subsidiary of Barclays Bank PLC. Please note we are unable to offer credit to residents of the Isle of Man. See terms and conditions for further details.Back to top