Subject to application, financial circumstances and borrowing history. Eligibility criteria applies.
Am I eligible for finance?
On the date of your application, you must:
Be 18 years of age or over
Have been a permanent UK resident for the last 3 years
Not be subject to bankruptcy or a Debt Relief Order (or Scottish equivalent)
The credit check carried out will consider additional information relating to the performance of
previous or existing commitments and any county court judgements.
You must also be one of the following:
In permanent employment which provides regular sustainable income of at least £6,000 per year
Self-employed (upon request you may need to provide proof of income, for example a recent bank statement and/or SA302)
Retired from regular employment (you may need to provide proof of your pension or income)
Receiving certain DWP (Department for Work and Pensions) benefits that provide regular sustainable income
You must also have:
A UK bank account from which Direct Debits can be taken
A mobile number
An email address
A valid mobile number and email address are mandatory for applying for a finance application.
If you do not have a valid email address, you will not be able to apply for the finance.
This is subject to application, financial circumstances and borrowing history.
If you do not have a valid email address, you will not be able to apply for finance.
You must not substitute an email address, e.g. using the email address of a friend or partner.
Finance application proccess
Add items to your basket and when you're ready to buy, select finance as your payment method
after you've selected your delivery address and date.
You'll need your bank details at the ready and you'll be asked to fill out a form.
Once you've submitted your form, you'll receive your decision.
Who are Barclays Partner Finance?
We've teamed up with Barclays Partner Finance to offer you a finance payment option.
Barclays Partner Finance provide retail point of sale credit through an online paperless
application and processing system. If your application is successful, you’ll enter into a
credit agreement with Clydesdale Financial Services Limited trading as Barclays Partner Finance.
Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member
of the Barclays group.
Victoria Plum Limited,
Unit 2 First Point Business Park, Water Vole Way, Doncaster, DN4 5JP
registered number 04177694,
acts as a credit broker, not the lender and is authorised and regulated by
the Financial Conduct Authority for consumer credit activities with registration number 734559.
Victoria Plum Limited offers products from a range of finance providers.
Barclays Partner Finance
acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial
Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is
authorised and regulated by the Financial Conduct Authority (Financial Services Register
number 311753). Registered in England. Registered No 2901725. Registered office: 1 Churchill
Place, London, E14 5HP
How does the finance application process work?
After you have selected finance at the checkout, you will be offered the applicable finance
terms. Once you have selected your finance term, you will be redirected to Barclays Partner
Finance to complete your credit application. This is a short process where you’ll be asked to
supply your name, address, employment and banking details, as well as additional information,
like marital and residential status, and number of dependents, which will help Barclays Partner
Finance make the credit decision. Please also note, a mobile number and email address are
mandatory for applying for a finance application. If a customer does not have a valid email
address, they will not be able to apply for the finance. You must not substitute an email
address. Should your application be accepted, you will then be presented with your finance
agreement, which you will be able to sign with one click of your mouse or tap of your finger.
What happens if my application isn't accepted?
If your application for finance isn't successful, then unfortunately Barclays Partner Finance
will be unable to finance your purchase. In this instance, you will receive a decline letter,
both on-screen and by email. You will still have the option to purchase your items in full
using a valid debit or credit card or PayPal.
Why do you work with Barclays Partner Finance?
Interest-free credit agreements are provided on behalf of Victoria Plum by Barclays Partner
Finance, who also supply finance for some of the UK’s most renowned brands.
Will I be credit checked?
Yes, you will be credit checked. Barclays Partner Finance will run a credit check on your
financial history to see if you are a suitable candidate for finance. This search will appear
on your credit report.