Spread the cost of your purchase with AATime Online Finance.
Here at AATime we've put together a range of special finance deals that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative. AA Time Online Finance is the convenient way to get your hands on the watch you want today without breaking the bank! In short, our online finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget.
Which finance product is right for you?
AA Time currently offers three finance options (detailed below), all of which are available on orders over £350. In summary, the key features of these options are:
Buy Now Pay in 9 Months
| APR 29.8% (variable) | |
|---|---|
| Order Value (Inc. delivery & VAT) | £750.00 |
| Deposit (10%) | £75.00 |
| Loan Amount | £675.00 |
| Total Charge for Credit | £505.50 |
| Balance Payable | £1150.50 |
| 36 monthly repayments of | £29.50 |
| Total payable | £1255.50 |
This is a Buy Now Pay Later loan agreement. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product or combination of products from our portfolio NOW (your total order value must be above £350 to be eligible), then make no further payments for 9 months.
Provided you pay the final balance in full before the 9 month BNPL period expires, you will pay no interest!
However, should you choose not to settle the outstanding balance in full before the BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement.
However, provided you pay the outstanding balance in full before 9 months has expired no interest will be charged.
Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts. Please note: If you application is accepted an arrangement fee of £45.00 will be applied.
Buy Now Pay in 6 Months
| APR 29.8% (variable) | |
|---|---|
| Order Value (Inc. delivery & VAT) | £750.00 |
| Deposit (10%) | £75.00 |
| Loan Amount | £675.00 |
| Total Charge for Credit | £466.78 |
| Balance Payable | £1116.78 |
| 36 monthly repayments of | £26.59 |
| Total payable | £1216.78 |
This is a Buy Now Pay Later loan agreement. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product or combination of products from our portfolio NOW (your total order value must be above £350 to be eligible), then make no further payments for 6 months.
Provided you pay the final balance in full before the 6 month BNPL period expires, you will pay no interest!
However, should you choose not to settle the outstanding balance in full before the BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement.
However, provided you pay the outstanding balance in full before 6 months has expired no interest will be charged.
Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts. Please note: If you application is accepted an arrangement fee of £35.00 will be applied.
Low cost classic finance 36 Months
| APR 19.9% (variable) | |
|---|---|
| Order Value (Inc. delivery & VAT) | £1000.00 |
| Deposit (10%) | £100.00 |
| Loan Amount | £900.00 |
| Total Charge for Credit | £276.12 |
| Balance Payable | £1176.12 |
| 36 monthly repayments of | £32.67 |
| Total payable | £1276.12 |
For customers who prefer to opt for a more traditional credit package, our low cost classic finance options offer the ideal solution.
36 equal monthly payments at 19.9 % APR.
Classic finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low rate of 19.9% APR.
Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.
Applying for online finance
Applying for AA Time online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief on-line application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
Your questions answered!
Here are some of the most commonly asked questions regarding online finance.
If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, our team will provide you with a decision within a matter of minutes. If you submit your application outside of these hours, then we'll endeavour to provide a response the next working day. We'll send you an email to confirm the status of your application as soon as we've processed it.
Within minutes of your application being approved, you'll be sent via email, a link to your credit agreement, which can be easily downloaded. Alternatively, you can request for a printed out, hard copy of your agreement to be posted to you. All agreements are supported with a copy of our terms and conditions. Once downloaded/received, you'll need to read the agreement carefully, then sign and return it to our finance company. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by us. Shipment of your goods will follow as soon as your agreement has been returned to our finance company (usually on the same day).
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
Your credit score (note that every finance company will score you differently,
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
or
Equifax Department 1E PO Box 3001 Glasgow G81 2DT
You can also find out more about credit decisions by visiting the above companies' websites: www.experian.co.uk and www.equifax.co.uk
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
We source the best value finance products from providers who excel in their customer service. Your finance agreement will be with one of the UK's leading finance houses.
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request We do suggest however, that you leave at least 6 months between applications.
To apply for AA Time online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from application under their own names; however we will require the employment details of your spouse in order to process your application.
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you.
