FlexiPay 0% – Interest-Free Instalments on Laptops & Electronics

Our FlexiPay 0% programme gives you a simple way to purchase laptops and electronics without paying the full amount upfront. Instead of traditional finance or third-party lenders, all instalments are handled directly by our UK store, allowing you to pay gradually with complete clarity and no hidden extras.

How FlexiPay 0% Operates

When you choose FlexiPay 0%, the total cost of your chosen device is divided into equal monthly instalments. The rate is a genuine 0% APR for the entire term — no interest, no admin fees, and no unexpected additions. What you see at checkout is exactly what you pay.

Your first instalment will only be collected after your delivery arrives and you confirm that the item suits your needs. Nothing is charged automatically before you approve the order.

Available Instalment Durations

• 12-month instalment plan – true 0% APR
• 24-month instalment plan – true 0% APR
• 36-month instalment plan – 0% APR for selected premium products

Each product page clearly displays the available instalment term, an estimated monthly amount, and the exact total you will pay across the entire plan. Everything is shown up front before you confirm anything.

If any portion of the balance remains after the 0% period ends, it may continue on a simple store account at a fixed monthly rate. You can clear your remaining balance whenever you wish, without penalties or extra charges.

Eligibility Requirements

During checkout, simply select FlexiPay 0% as your payment method. We will complete a quick soft credit assessment that has no impact on your credit score. Because the plan is issued directly by our store, decisions are immediate and often more flexible than those offered by large finance providers.

To apply, you must be a UK resident aged 18 or over and hold an active UK bank account.

Key Benefits of FlexiPay 0%

• True 0% APR for the full instalment period — no hidden fees
• No upfront payment — your first instalment is taken only after delivery
• Flexible settlement options with the ability to clear your balance early at any time
• Direct customer support from our UK team — no outsourced call centres
• Seamless compatibility with our warranty service, technical support, and 14-day return policy
• Clear, straightforward documentation written in plain English

How Instalment Information Is Displayed

Every product that supports FlexiPay 0% includes a dedicated payment section beneath the price. A typical example looks like this:

From £37.49/month over 24 months at 0% APR
Total amount due: £899.76 — first payment collected after delivery

FAQ – Frequently Asked Questions

What exactly is FlexiPay 0%?

FlexiPay 0% is a payment option that lets you divide the cost of laptops and electronic devices into equal monthly instalments, all with a genuine 0% APR for up to 36 months depending on the product.

When is the first instalment collected?

We only charge your first instalment after the item arrives and you confirm that you wish to keep it. The plan requires no deposit or advance payment.

Is early repayment allowed?

Yes. You are free to pay off your remaining balance whenever you choose, and we never add early-settlement fees.

Who can apply?

Any UK resident aged 18 or over with a valid UK bank account and a successful soft credit check can use the plan.

What if I return my purchase?

If you return the item within the 14-day return window, the agreement is cancelled automatically. Any instalments already paid will be refunded in full.

Can missed payments affect my credit?

Late or missed instalments may be reported and could influence your credit rating, as with any credit agreement. If you experience difficulty, our support team can help you arrange a suitable solution.

Do discounts apply before instalments are calculated?

Yes. Promotional codes and discounts are deducted from the price first, and your monthly payment is calculated from the reduced total.

Where can I contact support?

Our UK team is available seven days a week. You can reach us via live chat or by email at shop@laptop-uk.com.

Is this payment plan regulated?

Yes. All agreements are issued directly by our UK store and follow current UK consumer credit guidelines. You receive a clear, easy-to-understand contract as part of the checkout process.