Sportsman Gun Centre Instant Online Finance, Powered by Payl8r

To help make purchases as easy as possible, The Sportsman Gun Centre offers a range of great finance packages.

Our finance process is instant. This means there are no forms for you to sign, and you will know instantly whether or not you have been approved for credit. Your order will take no longer to arrive than if you paid by card

 

Am I eligible for finance?
The contents of your application will be assessed by Payl8r, our finance partner, and you will receive an instant approval or refusal of credit. In exceptional cases, your order will be held for manual assessment and you can expect to be notified by email of the credit decision within a few working hours.

All loans are subject to status and you must be at least 18 years old and a permanent resident in the UK. Customers from outside the UK cannot apply for finance through the Sportsman Gun Centre.

Please note that finance is available on selected items only and these will be clearly flagged as eligible on our website. Unfortunately we cannot split finance orders into multiple deliveries.

 

What is the best finance deal I can get on my product?
For every product where finance is available you'll see a Payl8r finance calculator with our best finance offers for that product. Please note that these options just give an indication of the finance deals available. You make your final decision on which finance package you would like at the checkout stage of our website.  The interest rate offered to you is subject to status and may differ to the one shown on the product page.

 

How do I checkout using Instant Finance?
It's simple! Just add the products you want to your Basket click ‘Proceed to Checkout’ and then on the Checkout page choose the finance plan that’s right for you. Please note that once you click place order you will be taken to the payl8r website, which is set within our site, you will need to follow the onscreen instructions to apply for finance. BE AWARE: You will be credit checked as part of the process of applying for finance.  For every finance application you will be charged a non-refundable £2 application fee at the point of application.

 

How do repayments work? 
Monthly repayments will be taken by direct debit.  Your finance agreement starts 30 days from the point you sign the agreement. 

 

Cooling off period?
You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Payl8r and pay the full cost of the goods, alternatively you can contact the Sportsman Gun Centre and pay for the order via an alternative means (i.e. a credit card). Sportsman Gun Centre will then cancel your credit agreement. If you don't wish to keep the goods, then you must return your order to Sportsman Gun Centre in the same condition that you received it, at which point Sportsman Gun Centre will cancel the agreement.

Help - Frequently Asked Questions

1. Who are Payl8r and Social Money Ltd?
2. How do I apply for credit?
3. How do I ask a question about the Credit Agreement?
4. Why did you send me an email containing  "Pre-contract Information"?
5. How long does it take to apply online?
6. What are the requirements for finance?
7. Why was I declined?
8. Can I cancel my credit agreement if I change my mind?
9. Will the finance company perform a credit check?
10. What is responsible lending?
11. What is responsible borrowing?
12. What if I have bad credit?
13. What if I have a complaint about the finance company?
14. I have not yet received my goods/services
15. I have a question, problem or need to return my product
16. What if my enquiry is not answered by the FAQs?
17. Do I need a bank account?
18. Do I need to pay a deposit?
19. How do I repay the loan?
20. Can I pay my agreement off early?
21. How much does the loan cost?
22. Are there any other charges?
23. How long before I have to repay a loan?
24. What APR will I be charged?
25. What if I'm already in debt?

 

 

Who are Payl8r and Social Money Ltd?
Social Money Ltd trading as Payl8r, is a company registered in England under company number 08054296 and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 675283. registered with the Office of the Information Commissioner reference number 08054296.  You can contact them on: 0161 425 6363 or [email protected]

For more information please visit https://payl8r.com

 

How do I apply for credit?
You must be over the age of 18 and live in the UK.  To apply for credit with payl8r you follow the standard website process of adding your goods to basket and then taking them to checkout.  Once at checkout you select the payl8r payment method and follow the steps as instructed by Payl8r.  Once you have entered all your information YOU WILL BE CREDIT CHECKED.  If you meet payl8rs lending criteria you will be offered a list of finance options based on your credit profile.  Please note Sportsman Gun Centre has no influence over the interest rates available or your eligibility to borrow money.

If you wish to take out finance over the phone for an instore or mail order purchase, please contact our sales team.  In this circumstance, we will add the items to an order for you and send you a web link to apply for finance.  If successful we will arrange for the goods to be collected at one of our stores, sent to you, or in the case of guns - to a local firearms dealer if this is your preferred option.

How do I ask a question about the Credit Agreement?
If you have a question, If there is anything you do not understand or if you require any further information regarding the credit agreement, please call Payl8r on 0161 425 6363 or seek free, independent advice from organisations such as the Citizen Advice Bureau or Money Helper.

 

Why did you send me an email containing "Pre-contract Information"?
The Consumer Credit Act 1974 stipulates that we provide you with an explanation of your credit agreement, information about the agreement and a copy of the agreement itself. We email this information to you when you commence the credit application process in order that you can review it before you enter into the agreement. We ask you to carefully read the information and advise the Sportsman Gun Centre if you are unhappy with the contract within the first 14 days of signing it.

 

How long does it take to apply online?
Our online application form typically takes less than 3 minutes to complete. Your application is then instantly processed by the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. In some cases additional information will be requested to support your application, in these instances you might have to wait typically 30 mins-24hrs for a decision.

 

What are the requirements for finance?
You must be 18 years old or over.
Have a regular source of income.
Be a permanent UK resident.
You must have a UK bank account with online banking.
Your bank account must be capable of accepting Direct Debits.
No adverse credit history (no CCJ's, IVA's or bankruptcies).
The deposit must be paid using a credit or debit card.

 

Why was I declined?
Unfortunately we are not given the reason why a customer is declined for credit. The authorisation process is carried out by Payl8r and we have no part in the decision. The decline message is sent to us by the lender with no explanation or justification. Sometimes, the reason for a decline is that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.

If you wish to find out more about your credit status, please contact Payl8r direct: Payl8r Tel: 0161 425 6363 or email [email protected].

Or to find out more about your credit file, please contact one of the following:

Experian Limited
Landmark House
Experian Way
NG2 Business Park
Nottingham
NG80 1ZZ
www.experian.co.uk

Callcredit Limited
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
www.callcredit.co.uk

Equifax Limited
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
www.equifax.co.uk

 

 

Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement).  If you wish to withdraw you must give the Sportsman Gun Centre notice in writing or by telephone or email.   Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.

The Sportsman Gun Centre Ltd is not a lender but is acting as a broker regulated and authorised by the FCA (FRN: 731658) for Social Money Ltd, trading as Payl8r.  Payl8r, 2nd Floor, St Johns House, Barrington Road, Altrincham, Greater Manchester, United Kingdom, WA14 1JY.  Email: [email protected]. Tel: 0161 425 6363.

 

Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

 

What is responsible lending?
Responsible lending is providing credit, based on background checks and professional judgement, to people who can accommodate regular repayments without getting into financial difficulty. Before the finance company will offer credit, they will assess whether they feel you will be able to repay it. Finance companies endeavour to make their decisions as transparent and as objective as possible. Credit scoring is one of the decision-making tools they use: a technique used to assess the probability that customers can and will meet their financial commitments. Credit scoring uses data received from credit reference agencies. These systems help finance companies make decisions about opening accounts and granting credit by using statistical techniques to measure the likelihood that a customer applying for credit will be an acceptable credit risk. It can also help to accelerate the decision making process. The Finance companies responsibility to lend responsibly should be seen as a complement to customers' own obligations to borrow responsibly.

 

What is responsible borrowing?
Borrowing from a finance company can be a very useful way to smooth out the gaps between your income and expenditure. Sensible borrowing has empowered generations of people to buy goods and services that would otherwise be well beyond their reach. Used sensibly, borrowing money can be a very good tool for managing your finances, such as spreading the cost of a purchase over a number of months. The key is to remain in control of your money and to make sure that you do not over-stretch yourself.

 

What if I have bad credit?
The finance company uses an automated credit check as part of their decision making process. If you have an adverse credit record it may affect their decision. To give yourself the best chance of acceptance, please ensure you complete the credit application form correctly. Please don't apply for credit unless you're sure you will be able to comfortably repay it.

 

What if I have a complaint about the finance company?
If you would like to make a complaint, in the first instance please contact Payl8r by email or telephone (see below). Their customer service team will try and resolve any problems. If you are dissatisfied with the result of that complaint, then please contact the "Chief Executive Officer" of your finance company in writing at the address listed below:

Social Money Ltd trading as Payl8r, is a company registered in England under company number 08054296 and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 675283. registered with the Office of the Information Commissioner reference number 08054296.  You can contact them on: 0161 425 6363 or [email protected]

 

I have not yet received my goods/services
Contact Sportsman Gun Centre customer services via email, [email protected].

 

I have a question, problem or need to return my product
Contact Sportsman Gun Centre customer services via email, [email protected].

 

What if my enquiry is not answered by the FAQs?
Answers to the most frequently asked questions are detailed in this section. If your enquiry cannot be answered by the FAQ please contact Sportsman Gun Centre customer services via email, [email protected].

 

Payment

Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.

 

Do I need to pay a deposit?
In most cased you will be required to pay at least a 10% deposit.

 

How do I repay the loan?
Your monthly repayments are collected by Direct Debit.

 

Can I pay my agreement off early?
You have the right to repay all or part of the credit early at any time.

 

How much does the loan cost?
The total cost of the loan is shown clearly on the finance agreement.

 

Are there any other charges?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount until you pay it. They may also levy charges for:

• Processing any payment made other than by Direct Debit, sending arrears letters, reminders or documents to which you are not entitled
• Arrears telephone calls
• Tracing you if you move address without notifying them
• Cheques, standing orders or Direct Debits which are dishonored, stopped or not paid by you
• Please refer to the credit agreement for full details.

 

How long before I have to repay a loan?
The first payment is typically due 30 days following the date you sign the agreement.

 

What APR will I be charged?
The APR is shown clearly on the credit summary page before you sign the pre-contract agreement.

 

What if I'm already in debt?
If you are already experiencing problems meeting existing financial commitments, please do not apply for credit. Further borrowing will only add to your commitments and repayments will commence within a month. If you need help with your debts, we recommend you talk to the Citizens Advice Bureau or the Consumer Credit Counselling Service.