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Finance & BNPL

We offer finance and Buy Now Pay Later (BNPL) agreements through Retracare which is underwritten by Hitachi Capital. Unfortunately we do not currently offer these online. If you would like to enquire about this service then please call into one of our stores where a member of staff will be happy to assist you in your application. You will be given an instant decision on whether your application has been successful.

Eligibility Criteria

To apply for finance or BNPL you must meet the following criteria:

  • be at least 18 years of age
  • have been a UK resident for 3 years or more
  • be able to make repayments by direct debit
  • be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment

*If you are retired and receive a pension or registered disabled and unable to work, Hitachi Capital may ask for proof of sufficient income.

Information Required

During the application process you will be asked for your personal information such as full name, 3-year address history, date of birth, email and telephone contact details and employment/income information. We will also need to see two forms of ID such as Passport, Driving licence or utility bill from the last 6 months. 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 carry out an electronic identity check.

Processing Time

At present this service is only available in-store which usually takes between 10-20 minutes to complete.


Delivery will only be made once any credit checks and authorisation has been acquired and your application has been processed.  

Returns & Cancellation Procedure

If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of their cancellation period.

Declined Credit Applications

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

Applications are usually declined for reasons such as:

  • you do not meet the eligibility criteria (see above)
  • adverse credit reference agency information
  • your credit score
  • your existing account performance with other lenders

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.

The lender

Hitachi Capital (UK PLC)

Hitachi Capital House

Thorpe Road



TW18 3HP