How the product works:

• No payments due for a 12 month period at the start of the agreement

• No interest to be paid if the agreement is settled before the end of the holiday period (except a £29 admin fee)

• Equal monthly repayments for duration of the agreement after holiday period (including interest calculated at inception of agreement)

• Interest rate is fixed @ 12.9% APR over 4 years

• Available on purchases between £500 and £25,000