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Finance Options


Spread the cost of payments with afforditNOW

  • Quick and easy online application
  • Select payments to suit you
  • No paperwork
  • Instant decision

It’s Easy to Apply

Simply choose your goods and select afforditNOW finance at checkout.

The online application takes just a few minutes and you’ll receive an instant decision.


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Select your purchases


Choose afforditNOW at the checkout

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Complete the online application

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Receive an instant decision


Just a little upfront will do it

No big deposits or large fees to pay

We like things simple, £10 or 10% deposit upfront is all you need.

We’ll ask you for a valid debit or credit card during the application process.

You only pay if you’re approved.

afforditNOW offers a choice of finance products

Flexible Finance from just £100. Select the payment terms to suit you and wait up to 3 months to start paying

Classic Finance Payable monthly over a set term such as 12, 24, 36 or 48 months


Representative Examples

Flexible Finance over 12 months
Price £421.00
Pay Today: £9.99
Deposit: £0.00

Loan Amount: £421.00
Cost of Credit: £484.75
Total Repayable: £494.74

Payment Holiday: 1 Month
No. of Payments: 11 Months
Monthly Payment: £44.07
APR: 35.7%
Interest Rate: 26.3%
19.9% Finance over 12 months
Price £421.00
Deposit: £9.99

Loan Amount: £411.01
Cost of Credit: £46.09
Total Repayable: £467.09

No. of Payments: 12 Months
Monthly Payment: £38.10
APR: 19.9%
Interest Rate: 18.3%


How to Qualify

You need to:

  • be 18 or over and employed at least 16 hours per week
  • have 3 years continuous UK address history
  • have a UK account that accepts direct debits
  • have a have a good credit history

We also welcome applications from retired individuals, in receipt of a private or company pension.

Please note: Finance is subject to application and status. Meeting the above criteria does not guarantee your application will be approved.

afforditNOW is provided by PayBreak Ltd, authorised and regulated by the Financial Conduct Authority. Registered in England with company number 7440512. Registered office:
PayBreak Limited
Floor 1,
The Bloc,
Ashley Road,
WA14 2DW

Still have a few questions?

How long does it take to apply?
You should get an instant answer on whether your application for finance has been successful. In some cases we may need to review your application in more detail before making a decision.

What happens if my application is declined?
You can still pay for the goods using an alternative payment method, such as debit or credit card.

Will I be charged if my application is declined
No, you will not be charged anything if your application is unsuccessful.

Can I pay the finance off early?
Yes, you can settle your loan at any time.

How do I pay the finance back?
Repayments are made by Direct Debit.

Questions, Support and Advice - Contact affordItNOW

Customer enquiries: 03333 444 224