Decent price, kept me updated with progress, well packed (and they chucked in some sweeties!) and good delivery. Great service overall.Read on Google
Overclockers UK Online Finance is the convenient way to get your hands on the technology you want today without breaking the bank! In short, our online finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget. Think about how much you can afford each month and maybe you can up your budget and get the gear you really want.
With our flexible deposit from 5%, allowing for the minimum loan amount of £250 (e.g on £1000, the minimum deposit would be £50) you can borrow just the amount you need to, or cover almost the entire cost of the order.
Simply enter how much you'd like to repay each month and the size of the deposit you have available, and we'll calculate the amount you would be able to spend on site today.
Credit subject to status and affordability. Terms & Conditions Apply. Ocuk Limited trading as Overclockers UK is a credit broker, not a lender, and is Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk.
Overclockers UK currently offer multiple finance options (detailed below), there are conditions for some of our finance options such as minimum loan amounts, and maximum loan amounts, on occasion some loans might be restricted to products. Subject to status, T&Cs apply.
With our Buy Now Pay Later (12/48) loan agreement you can order today and pay nothing for 12 months.
If you pay in full by the end of 12 months there will be no interest on the loan, but a final settlement fee of £29.00 will be due.
Alternatively you can spread the cost and pay monthly according to the table. Interest is accrued from the start of the loan agreement.
IMPORTANT: Interest is calculated from the start of the agreement, which means interest will accrue during the holiday period.
Your loan value must be between £250.00 and £25,000.00
Representative 24.9% APR
Interest rate 24.9% fixed
| Order Value (Inc. delivery & VAT) | £1000.00 |
| Deposit Payable | £100.00 |
| Loan Value | £900.00 |
| 48 monthly repayments of | £35.03 |
| Total Amount Payable | £1,781.44 |
| Final Settlement Fee (If paying in full before 12 month period) | £29 |
With our Interest Bearing Credit (12 months) loan agreement you can spread the cost over a period of up to 12 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Representative 19.9% APR
Interest rate 19.9% fixed
| Order Value (Inc. delivery & VAT) | £1000.00 |
| Deposit Payable | £50.00 |
| Balance Payable | £950.00 |
| 12 monthly repayments of | £87.23 |
| Total Amount Payable | £1,096.76 |
With our Interest Bearing Credit (24 months) loan agreement you can spread the cost over a period of up to 24 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Representative 19.9% APR
Interest rate 19.9% fixed
| Order Value (Inc. delivery & VAT) | £1000.00 |
| Deposit Payable | £50.00 |
| Balance Payable | £950.00 |
| 24 monthly repayments of | £47.56 |
| Total Amount Payable | £1,191.44 |
With our Interest Bearing Credit (36 months) loan agreement you can spread the cost over a period of up to 36 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Representative 19.9% APR
Interest rate 19.9% fixed
| Order Value (Inc. delivery & VAT) | £1000.00 |
| Deposit Payable | £50.00 |
| Balance Payable | £950.00 |
| 36 monthly repayments of | £34.49 |
| Total Amount Payable | £1,291.64 |
With our Interest Bearing Credit (48 months) loan agreement you can spread the cost over a period of up to 48 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Representative 19.9% APR
Interest rate 19.9% fixed
| Order Value (Inc. delivery & VAT) | £1000.00 |
| Deposit Payable | £50.00 |
| Balance Payable | £950.00 |
| 48 monthly repayments of | £28.05 |
| Total Amount Payable | £1,396.40 |
Just select the finance option on the checkout page.
To apply for online finance, you must:-
Your monthly repayments will begin one month after your purchase has been delivered.
No. There are no arrangement fees or hidden extras.
Applying for online finance couldn't be easier or more convenient. When you buy online from OcUK Ltd trading as Overclockers UK 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.
Here's some of the most commonly asked questions regarding online finance.
Finance is available as a payment option in the checkout when:-.
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 OcUK Ltd trading as Overclockers UK 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 Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
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.
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna 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:
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.
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:
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.
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.
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer.
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 Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you. They can be contacted in the following ways:
Further details can be found on the Financial Ombudsman Service .
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