Nothing. There's no deposit, so you can start a plan for £0 today. We check your card at checkout without charging it, then your first payment comes out on the payday you pick and every week after that until it's paid off.

No. There's no credit check and no application — everyone can start a plan, because layby isn't credit. We never ask for your National Insurance number.

After your final payment. We order your item brand-new from an authorised UK retailer and ship it free within 20 business days of payoff. Waiting is what keeps the price at sticker — £0 interest, ever.

Nothing scary, and nothing goes to collections or onto your credit report. We retry the card once; if it fails again a £2.50 administration fee is added to your balance. We can move the payment or work out a new schedule with you — a real human will help. Those fees only come out of money you've already paid, so a plan can never leave you owing us anything.

Cancel anytime — free in your first 14 days. After that the cancellation fee is £30, or 20% of what you’ve paid if that’s higher, capped at £60 — never more than you have paid. The rest refunds to your card within 14 days.