Finance

Interest free credit for Dreamscience products is available for purchases over £275 with Our interest-free finance package is a fantastic way to spread the cost over 12 months with just a 10% deposit on your purchase. To make it easy we’ve partnered with Duologi whose smart technology enables you to complete your purchase there and then.

First add the items you wish to purchase to your basket. When you reach checkout choose ‘Duologi 0% Retail Finance’. The quick application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision.

Before you apply please note you will only be considered for finance if you:

• Are at least 18 years old and maximum 75 years old at the end of the term.
• Are in regular full or part-time employment (minimum 16 hours per week or £10,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance).  You may not apply if you are unemployed/ a student/ Non-UK Resident.
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account that accepts direct debits.
• Have a credit or debit card registered to your home address.
• Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
• You agree to have a credit check performed when you submit your application.
• Do not apply if you have had or have any defaults or missed payments on existing credit agreements either currently or in the last 3 years.
• Be able to accept delivery at the registered billing address. If you are unable to accept delivery to the address in your application, we are unable to offer you a Financing payment option.
• Finance must be applied for in the name of the individual that is taking the goods or services.
• All details entered during the application process must be personal to the applicant. E.g. personal email address and mobile number.
• Double check the applicants details against their government issued ID i.e. Full name (No abbreviations), House/Flat number and postcode.

Interest free credit helps you spread the cost of your purchase over 12 months. The value of the loan needs to be over £275 and we require a deposit of 10% of the value of the goods.

0% finance over 12 months representative examples would be:

Finance decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file. Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive. In a very rare cases, an application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi. A finance agreement does lot affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.

Frequently asked questions

 

Will I be accepted for Finance?

 

Whether you’re accepted for finance or not depends on many different factors. Duologi has a dedicated credit team who use their bespoke credit engine to help them reach decisions.