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FINANCE BY PAY BY FINANCE

GUR have joined with Brother to provide a simple, easy and quick process which allows you to purchase your Brother machines, finance available through Hitachi Capital Finance (Terms and Conditions Apply) . The whole process is carried out online so there are no forms needed to be completed, and in most cases, you will get an immediate decision.

Here's how it works:

On each selected Brother product page where Finance is available you will find a calculator to compare the different finance options.

Simply choose which finance option you would like, then add a deposit amount if you would like to pay one. You can add a deposit so long as your amount finance is no less than the minimum £599.

Step 1: Once you have found the right product and finance package you can then add the item to your basket.

Please note that Brother Finance does not allow for any further accessories to be added to the cart, unless it is a promotion from Brother or you are adding a software.

Step 2: Continue to the checkout.

Step 3: Complete the billing & delivery details sections. Please note that the delivery address will need to be the same as the billing address used for your finance application. We have to deliver the machine to the address on the finance. Please also note that the finance is personal finance and cannot be processed in a company name and address

Step 4: Select finance option period

Step 5: You will be taken to the payment options section, here please select Nothing to Pay or if you chose to pay a deposit please minus the amount of the price of the machine and we will contact you after the application has been confirmed and take the payment for the deposit only.

Step 6: You will be directed to HCUK's secure application portal PaybyFinance

Once you have completed the process you will receive a notification advising you of the results of the process

OPTION 1 - Interest free credit, for 12 months with no deposit 0% APR.

Finance is available on all orders between £599 to £25000. GUR Sewing Machines can offer you interest free finance from Hitachi Capital Finance. Finance is available on selected machines online; you could pay with monthly finance.

Who can apply for finance?
  • Applicant must be 18 years or over on application date
  • In permanent UK Residence - minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)

Terms and Conditions
  • To qualify you need to spend a minimum of £599
  • ID will be required for application (proof of address & proof of signature)
  • Hitachi Capital Finance full terms and conditions available on application

 

OPTION 2 - Interest free credit, for 18 months with no deposit 0% APR.

Finance is available on all orders between £1500 to £25000. GUR Sewing Machines can offer you interest-free finance from Hitachi Capital Finance. Finance is available on selected machines online; you could pay with monthly finance.

Who can apply for finance?
  • Applicant must be 18 years or over on application date
  • In permanent UK Residence - minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)

Terms and Conditions
  • To qualify you need to spend a minimum of £1,500
  • ID will be required for application (proof of address & proof of signature)
  • Hitachi Capital Finance full terms and conditions available on application

 

OPTION 3 -Interest-free credit for 24 months with no deposit 0% APR.

Finance is available on all orders between £7000 to £25000. GUR Sewing Machines can offer you interest-free finance from Hitachi Capital Finance. Finance is available on selected machines online; you could pay with monthly finance.

Who can apply for finance?
  • Applicant must be 18 years or over on application date
  • In permanent UK Residence - minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)

Terms and Conditions
  • To qualify you need to spend a minimum of £7,000
  • ID will be required for application (proof of address & proof of signature)
  • Hitachi Capital Finance full terms and conditions available on application

 

OPTION 4 - Buy Now Pay Later (Count Down Interest Bearing) for 36 months with 19.9% APR

Monthly repayments will start 12 months after delivery of your goods. Interest is charged from day 1 of your agreement. There is no interest charged on payments made within the deferral period. Unless the balance is cleared within the deferral period, monthly repayments will start at its end. Interest will be charged from the start of the agreement on any outstanding balance. If the loan amount is paid in full, interest will be waived but a £29 early settlement fee will apply. Alternatively spread the cost and pay monthly. See representative example. Finance is available on all orders between £599 upwards. GUR Sewing Machines can offer you interest free finance from Hitachi Capital Finance.

Who can apply for finance?
  • Applicant must be 18 years or over on application date
  • In permanent UK Residence - minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)

Terms and Conditions
  • To qualify you need to spend a minimum of £599
  • ID will be required for application (proof of address & proof of signature)

 

OPTION 5 -Interest Bearing Credit with 48 months with 14.9% APR.

With the Pay monthly, option finance is available on all orders between £599 to £25000 . See example. GUR Sewing Machines can offer you finance from Hitachi Capital Finance.

Who can apply for finance?
  • Applicant must be 18 years or over on application date
  • In permanent UK Residence - minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)

Terms and Conditions
  • To qualify you need to spend a minimum of £599
  • ID will be required for application (proof of address & proof of signature)
  • Hitachi Capital Finance full terms and conditions available on application



FAQ'S

How do I choose to PaybyFinance?

Just select the finance option on the checkout page and follow the link to the secure online application form.

Who is eligible to apply for online finance?

To apply for online 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 the employment details of your spouse / partner will be required in order to process your application.

 

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.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from GUR ENTERPRISE (UK) LTD trading as GUR Sewing Machines 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. Company Confidential Page 78 of 98

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement GUR ENTERPRISE (UK) LTD trading as GUR Sewing Machines will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the 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 finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

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 consistent decisions to be provided, ensuring all 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, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

•Your credit score (please note that every finance company will score you differently)
•Adverse credit reference agency information
•You are considered to be overcommitted
•You are aged under 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 credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

•Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
•Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
•TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to 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 circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

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.

Can I see a representative example of how the finance works?

OPTION 1 - Interest free credit, for 12 months with no deposit 0% APR Representative.

OPTION 2 - Buy Now Pay Later 19.9% APR Representative.

OPTION 3 - Pay monthly finance 14.9% APR Representative.

I have an Interest Free Credit agreement - can I repay my loan early?

Yes. There are no penalties for early repayment with an Interest Free Credit.

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