Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. You will be offered the best rate available based on your personal credit history and Duologi’s credit decision policies.

Who can apply for Duologi Finance?

  1. Applicant must be min 18 years, max 75 years on the application date.
  2. In permanent UK residence – minimum 3 years.
  3. Fulfil one of the following employment criteria:
  4. In regular, permanent employment working a minimum of 16 hours per week (including students) with minimum annual income £10,000.
  5. Not working through disability
  6. Self-Employed
  7. Have a UK bank account that accepts direct debits.
  8. Have your credit or debit card registered to your home address.
  9. Do not apply if you have had or have any defaults or missed payments on existing credit agreements either currently or in the last 3 years.
  10. Be able to accept delivery at the registered billing address. If you are unable to accept delivery to the address in your application, we are unable to offer you a Financing payment options
  11. Double check the applicants details against their government issued ID i.e. Full name (no abbreviations), House/Flat number and postcode
  12. Ensure gross annual income is entered for the sole applicant, not weekly/monthly or household income

Still have questions?

  • For any questions related to Financing please contact Duologi Finance on 0345 5211 880 Please visit Duologi for a list of FAQs:

What do I do if I have been declined?

If your application was declined, we will not give the specific reason/s why. We advise that you obtain a copy of your credit report so you can see the potential reasons. If you feel that there has been a mistake, please feel free to contact us via email at or call us on 0345 5211 881 Option 2.

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to or visit

In cooperation with Duologi we offer you the following payment options. Payment is to be made to Duologi

Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Duologi’s privacy statment .

We are pleased to have partnered with Duologi to offer our customers 6 or 12 Months Interest Free Finance (0% APR) and 24, 36 or 48 months (19.5% APR)
Duologi provide a simple application form for you to fill in online, with no paperwork to sign and an instant decision.
To apply,  simply click ‘Buy on Finance’, check the value of your order and fill in the online finance application form. The form only takes a few minutes to fill in and will need an email address and mobile number to complete.
Duologi will give an instant decision in the majority of cases. You can sign the form digitally with no need to wait for paperwork through the post. Applications that are approved and have had the deposit paid by 2:30pm on a normal weekday will usually be dispatched the next working day, please let us know if you require a specific date.
Finance orders must be sent to the home address provided in the application and cannot be sent to an alternative address.

Finance Decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and the process is complete.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

Repaying the Loan

Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.

Example – 6 Months Interest Free Credit (0% APR)

0% finance over 12 months

  • Total order value = £600
  • 10% deposit = £60
  • Total amount of credit = £540
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £45
  • Total amount payable = £600
Example – 24 Months Interest bearing Credit (19.5% APR)
A product costing £450
  • Total order value = £450
  • 10% deposit = £45
  • Total amount of credit = £405
  • Duration = 24 months
  • Representative APR = 19.5%
  • Interest charged = £80.02
  • 12 monthly payments of = £20.21
  • Total amount payable = £530.02
Finance only available to residents of mainland UK and Northern Ireland, 18 Years or over. (Not Channel Islands or Isle of Mann)
We are authorised and regulated by the Financial Conduct Authority, register number 730002.
We and Duologi act as credit intermediaries. We provide the platform to apply for finance. Credit is provided by Duologi which is a trading name of Specialist Lending Ltd  who are authorised and regulated by the Financial Conduct Authority (Ref. Number 774712.) You will be offered the best APR available based on your credit history and status and subject to the lenders policies.