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Consumer Financing

Checkout and Payment FAQs

Apply for credit at checkout

What is eFinancing?

A consumer instalment loan that is available to identified products. Financing is at the Cart/Order level and includes accessory items, VAT and shipping. It takes 5 minutes to complete a credit application and you will have a decision in 30 seconds.
Borrowing money is a serious matter. You need to think carefully about whether you can afford the payments over the full term of the loan.

How do I apply?

Simply select “Financing” from the billing page upon checkout. The application process is simple. It will take around 5 minutes to complete and you should have a decision online is less than 30 seconds.

Are deposits required?

No deposits are required. You are able to finance your entire purchase. Your first monthly payment will not become due until 25 days after we have completed shipping your order for 0% finance and 30 days where interest is charged on the finance agreement.

Who is Eligible for Financing?

Applying for an instalment loan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. Before you apply please note you will only be considered for finance if you:
  • Are at least 18 years old
  • 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)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

Who is offering Financing for merchant?

Finance is provided by Duologi. Duologi is the trading name of Specialist Lending Limited.
who are authorised and regulated by the Financial Conduct Authority and are therefore bound by their rules.

After my order is approved and processed, may I modify my cart or change delivery options?

Once you’ve placed your order through eFinancing, you will not be able to change the delivery speed or add a gift option.

If my application is declined, what happens next?

  • You can still pay for your order by card
  • Duologi will email you with all the initial information you need

Partial Returns or Refunds:

Partial Returns or Refunds is supported.

Standard Terms of Sale for applies to your order when using Lenovo Financing including handling of returns and cancellations.
Interest rate and APR Information on our website about finance options provided by Duologi may state two figures, the “interest rate” and the “APR”. By law, both figures must be stated in the Loan Agreement and are shown in Representative Examples.

  • Interest rate: This means the annual rate of interest charged by the lender on the amount you borrow.
  • APR: This stands for Annual Percentage Rate. It is calculated using a formula set down by law and is intended to indicate the overall cost of a loan. The APR takes into account the total amount of interest payable over the term of the loan and any other charges you have to pay. As no fees are charged, the APR and interest rate will be the same.
  • Total charge for credit:This is the predicted total cost of your loan and will be stated in your Credit Agreement. It is calculated on the assumption that you will make your monthly repayments as they fall due. If you repay sooner and you are being charged interest, the actual total charge for credit you will pay should be lower; if you repay later, you may incur late payment fees and therefore the actual total charge for credit you pay will be higher. If your agreement has a 0% APR then you will not save any money by repaying earlier but are still entitled to do so.

Will I be accepted for finance?

The contact e-mail for if customers believe there has been a mistake should be support@duologi.com

What do I do if I have been declined?

If your application was declined, we advise that you obtain a copy of your credit report so you can see the potential reasons why. If you feel that there has been a mistake, please feel free to contact us via email at credit@duologi.com or by using our live chat feature.

I’ve changed my mind, can I cancel my agreement?

Of course. Please contact the retailer you purchased the goods or service from and they will be more than happy to help you cancel the agreement. You will normally be required to do this within 14 days.

I want to amend my order.

You will need to contact the business that you purchased the goods or services from. They will be able to make the necessary changes to your order.

I haven’t received my goods or service.

Please contact the business that you purchased the goods or services from. They will be able to help you.

What is a credit search?

A credit search occurs when a third party investigates your credit report. They’re looking to see how you manage your credit now, and how you’ve managed it in the past. This search may then be recorded on your credit report for other third parties to see. This is useful to lenders because if you’ve made multiple applications for credit recently, it could suggest to them that you have an urgent need for credit which you may struggle to pay back.

When will I receive a copy of my loan agreement

Your loan agreement along with all the regulatory paperwork is emailed to the email address you entered in your application. It is sent out the next working day after your goods are dispatched.