Misco offers an easy & convenient alternative to credit or debit card payments with our latest range of affordable flexible finance options. Spread the cost of purchases with our fantastic new ‘Buy Now, Pay Later’ options or simply opt for a great low rate classic credit agreement. Our range of flexible finance options are the easy and affordable way to purchase the latest technology you want - today!
Please note: Misco flexible finance options are provided by V12 Finance and are subject to status.
It only takes a few minutes to complete your online finance application & you’ll get a decision within 60 seconds!
In order to apply for Misco flexible finance options, please ensure you meet the following criteria:
Step 1:
Look out for products featuring the Misco Flexible Finance Logo
Step 2:
Choose your product(s) and place your order by selecting
and adding the product(s) to the Shopping Basket. Please note:
Total order value must exceed £280 inc. VAT (exc. delivery charges) to be eligible
for finance options.
Step 3:
Complete the Checkout Page and select Flexible Finance as your payment method, then
simply select your preferred finance option and click to continue to the order request
page.
Step 4:
Review your order summary and continue to complete your finance credit application,
registering your card details for the deposit. You will need to provide further
personal details as part of the application. It’s helpful to have the address of
your employer and your bank account details to hand. A decision is usually made
within a few seconds.
Step 5:
Once you've been approved for credit, you‘ll need to sign the finance agreement.
This can be printed out or you can request for a copy to be posted to you.
Step 6:
You’ll then need to sign and return the agreement to V12 Finance by post. Once V12
Finance receives your signed agreement, Misco will be informed and despatch the
item(s) (subject to stock availability).
The Buy Now, Pay Later (BNPL) 6 month finance option is the easy and affordable way to get the technology you want today. With the exception of a 10% deposit and low cost service fee†, you can now purchase and enjoy the benefits of any eligible product or combination of products from our extensive range and then make no payments for a further 6 months.
If you decide to pay the outstanding balance in full, before the 6 month deferment period expires, you will pay no interest! However, there’s no obligation to settle the loan before the BNPL period expires, you can simply continue to make monthly repayments at the interest rate shown on your loan agreement.††
If the 'Amount of Credit' is paid in full before the end of the 6 months then no interest is payable.††
The example below is based on a cash price of £1,000.
| Cash Price (inc.VAT) | £1,000 |
| 10% Deposit | £100 |
| Amount of Credit | £900 |
| 42 Monthly Instalments of | £35.39 |
| APR | 29.8% (Representative) |
| Total Amount Payable | £1,631.38 |
| Service Fee† | £35.00 |
| Administration Fee* | £10.00 |
| Total Charge for Credit | £631.38 |
†The Buy Now, Pay Later (6 Month Option) finance agreement is subject to a £35.00 Service Fee which will only be charged upon receipt of your signed credit agreement. This fee will not be charged if your credit application is unsuccessful.
††The Buy Now Pay Later (6 Month Option) scheme is an interest bearing loan and should you choose not to settle within the 6 month period you will incur interest charges as laid out in the above example. However, if the ‘Amount of Credit’ is paid in full before the end of the BNPL period you will pay no interest.
*£10.00 Administration Fee is only payable if the BNPL agreement is settled within the deferred period.
This type of loan attracts interest which is calculated daily and debited monthly in arrears on each monthly instalment date. In calculating the APR, no account has been taken of any variation which may occur in the Interest Rate.
Misco finance products are available to consumers only. Finance options are currently unavailable to customers residing in Northern Ireland. We do not hold stock while credit is being arranged and therefore product availability may change during your application.
Cash price example does not include delivery. A delivery charge will be added depending on the delivery option chosen by you, the customer, during the checkout process.
When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.
Total order value must exceed £280 inc. VAT (exc. delivery charges) to be eligible.
Credit is subject to status. Written quotations are available upon request.
The Buy Now, Pay Later (BNPL) 12 month finance option is the easy and affordable way to get the technology you want today. With the exception of a 10% deposit and low cost service fee†, you can now purchase and enjoy the benefits of any eligible product or combination of products from our extensive range and then make no payments for a further 12 months.
If you decide to pay the outstanding balance in full, before the 12 month deferment period expires, you will pay no interest! However, there’s no obligation to settle the loan before the BNPL period expires, you can simply continue to make monthly repayments at the interest rate shown on your loan agreement.††
If the ‘Amount of Credit’ is paid in full before the end of the 12 months then no interest is payable.††
The example below is based on a cash price of £1,000.
| Cash Price (inc.VAT) | £1,000 |
| 10% Deposit | £100 |
| Amount of Credit | £900 |
| 36 Monthly Instalments of | £43.96 |
| APR | 29.8% (Representative) |
| Total Amount Payable | £1,737.56 |
| Service Fee† | £45.00 |
| Administration Fee* | £10.00 |
| Total Charge for Credit | £737.56 |
†The Buy Now, Pay Later (12 Month Option) finance agreement is subject to a £45.00 Service Fee which will only be charged upon receipt of your signed credit agreement. This fee will not be charged if your credit application is unsuccessful.
††The Buy Now Pay Later (12 Month Option) scheme is an interest bearing loan and should you choose not to settle within the 12 month period you will incur interest charges as laid out in the above example. However, if the ‘Amount of Credit’ is paid in full before the end of the BNPL period you will pay no interest.
*£10.00 Administration Fee is only payable if the BNPL agreement is settled within the deferred period.
This type of loan attracts interest which is calculated daily and debited monthly in arrears on each monthly installment date. In calculating the APR, no account has been taken of any variation which may occur in the Interest Rate.
Misco finance products are available to consumers only. Finance options are currently unavailable to customers residing in Northern Ireland. We do not hold stock while credit is being arranged and therefore product availability may change during your application. Cash price example does not include delivery. A delivery charge will be added depending on the delivery option chosen by you, the customer, during the checkout process.
When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts. Total order value must exceed £280 inc. VAT (exc. delivery charges) to be eligible.
Credit is subject to status. Written quotations are available upon request.
An affordable choice with a competitive APR of just 19.9%, this low cost, classic finance package is a great option for customers wishing to purchase the latest technology today.
Spread the cost of your purchases with 24 equal monthly repayments with this interest bearing straightforward personal loan - an ideal finance option for those wishing to make regular, low cost payments for their purchases over a longer period of time.
The example below is based on a cash price of £1,000.
| Cash Price (inc.VAT) | £1,000 |
| 10% Deposit | £100 |
| Amount of Credit | £900 |
| 24 Monthly Instalments of | £45.06 |
| APR | 19.9% (Representative) |
| Total Amount Payable | £1,181.44 |
| Total Charge for Credit | £181.44 |
Please note:
Misco finance products are available to consumers only. Finance options are currently
unavailable to customers residing in Northern Ireland. We do not hold stock while
credit is being arranged and therefore product availability may change during your
application.
Cash price example does not include delivery. A delivery charge will be added depending on the delivery option chosen by you, the customer, during the checkout process.
This type of loan attracts interest which is calculated daily and debited monthly in arrears on each monthly instalment date. In calculating the APR, no account has been taken of any variation which may occur in the Interest Rate.
When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.
Total order value must exceed £280 inc. VAT (exc. delivery charges) to be eligible.
Credit is subject to status. Written quotations are available upon request.
Please note:
When calculating the 10% deposit, the amount you pay may be slightly higher than
10% as the figure is adjusted to a rounded loan figure.
† The Buy Now, Pay Later finance agreement is subject to a Service Fee which will only be charged upon receipt of your signed credit agreement. This fee will not be charged if your credit application is unsuccessful.
†† The Buy Now, Pay Later (BNPL) Scheme is an interest bearing loan & should you choose not to settle within the applicable deferment period you will incur interest charges as laid out above.
* £10.00 Administration Fee is only payable if the BNPL agreement is settled within the deferred period.
Misco finance products are available to consumers only. We do not hold stock while credit is being arranged and therefore product availability may change during your application.
For assistance on online applications please email onlinefinance@misco.co.uk
If you require any assistance with your online application please call our friendly customer operations team on: 0800 294 4515 or email onlinefinance@misco.co.uk
For further information on Misco online finance please visit our Finance FAQ section.
Please note:
Misco finance products are available to consumers only. Finance options are not
currently available for customers residing in Northern Ireland. We do not hold stock
while credit is being arranged and therefore product availability may change during
your application. Delivery option chosen is valid from when Misco receive confirmation
that you application has been accepted and approved by V12 Finance. Credit is subject
to status and written quotations are available on request. Terms & Conditions
apply. For business finance options
please call 0800 197 2068 or email syscap@misco.co.uk.
| SVR: VPGS4 | INT: False | AFF: | PB: W | CAT: 76 | CUST: 6f0aef58-2720-44f7-ae99-f33cfb056b32 | SSID: | SL: False | D: 1210 | L: en-GB | P: 80 | B: 539e9727-2264-4185-bd4a-3703a97fc73b | VS: | T: Default |
