FINANCE FAQs

Finance is available on most purchases of £280 or more. This enables you to buy all of the motorcycle gear you need now, all for a low monthly payment. With fixed repayments and by spreading the cost of your purchase over a repayment period that suits your budget, you can have what you need right now, allowing you to budget more effectively.

Finance is available over 12, 24 or 36 months on most purchases of £280 and above with a 10% deposit; subject to status. 
In order to apply for finance, you must meet the following criteria:

You must be over 18 years of age.
You must be a UK resident with at least 3 years continual address history.
You must have a UK bank account capable of accepting Direct Debits.
The goods must be delivered to your home address.
You must be in full time employment, unless retired or a house person with a spouse in full time employment.

FREQUENTLY ASKED QUESTIONS 
Where can I get my order delivered? 
For finance orders made online or via mail order we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person.

How much can I borrow?
When checking out, just fill out our easy online application form and you can be approved for up to £15,000 to use for the products you wish to purchase. The minimum you can borrow is £250 (excluding the 10% deposit).

Do you require a deposit? 
Yes. A 10% deposit is payable by credit or debit card upon acceptance.

What is the duration of the agreement? 
Finance agreements are available over a period of 12, 24 or 36 months.

How do I apply? 
Firstly, add your chosen items to your basket as normal, (total minimum amount for finance is £280). When you proceed to the checkout simply select to pay by finance from the payment methods shown. You will then be taken to our online finance application screen. The paperless application takes around 5 minutes to complete and you will be given an instant decision.

What information is required? 
During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can take a 10% deposit.

Declined finance applications 
You will be informed of the decision if the lender declines your application, the lender is unable to share the reason for decline with us.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

M&P Direct Ltd. 
Acts as a credit broker and only offers credit products from Klarna Bank AB (publ).

Credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services Authority, with limited supervision by the Financial Conduct Authority and Prudential Regulation Authority in the UK.

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.

M&P Direct Ltd. is registered in England and Wales 3928542. Registered office: Phoenix Way, Garngoch, Gorseinon, Swansea, SA4 9HN. M&P Direct Ltd.is authorised and regulated by the Financial Conduct Authority. Our registration number is 678577.

Pay4Later
Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers.

 

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