TERMS AND CONDITIONS: All loans are subject to eligibility criteria and terms and conditions. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Rate & repayments offered will depend on your individual circumstances at application date and may differ from the advertised APR of 7.9%. Applicants must be 18 years and over. Lending criteria, terms and conditions apply. You will not own the goods until the final payment has been made.