Buying with Finance at Charlies

Yes. Charlies offers a range of finance options so you can spread the cost of your purchase over time. We work with a number of trusted finance providers and the options available will be displayed at checkout based on your basket value and the products you are buying.

Just shop on Charlies and check out as normal. At checkout, choose your preferred finance payment method. You will be directed to the finance provider's secure website to register or log in and provide your payment details.

Once approved, complete your order and your items will be delivered within our standard delivery timeframes.

Finance is only available to permanent UK residents aged 18 or over with a UK billing address. Customers with international billing addresses will not be able to use our finance options. Other eligibility criteria set by each individual finance provider also apply.

Finance is available on orders above a minimum spend. The current minimum order value and any applicable conditions are shown at checkout alongside the available finance options. Minimum values may differ between providers.

Yes. Most finance applications involve a credit check carried out by the finance provider. A hard credit search is typically recorded on your credit file when you submit a full application. Some providers carry out a soft eligibility check first, which shows whether you are likely to be accepted without affecting your credit score. See each provider's page for details.

A full finance application usually results in a hard credit search, which may have a small temporary effect on your credit score. If the provider offers a soft eligibility checker before a full application, using that first will not affect your score. Each provider's page includes information on the type of credit check they perform.

Repayment terms vary by provider and the product you select. Options may include Buy Now Pay Later in interest-free instalments, interest-free credit over a fixed number of months, or longer-term interest-bearing credit. The full cost of credit, monthly repayment amount, and total term length are always shown clearly before you complete your application.

In most cases, yes. Consumer credit regulations generally give you the right to settle a credit agreement early, in full or in part, which may reduce the total interest you pay. To request an early settlement figure or arrange an early repayment, contact your finance provider directly using the details in your agreement confirmation.

If you are unable to make a payment, please contact your finance provider directly as soon as possible using the details in your agreement. Missing payments may result in late fees and could affect your credit score and your ability to use finance in the future. We encourage you to use finance responsibly.

If your application is declined you can still complete your purchase using any other payment method Charlies accepts, including credit or debit card and PayPal. The finance provider will notify you of the reason for their decision. Charlies is not party to the credit decision and cannot overturn it.

Finance is available across a wide range of products at Charlies, subject to a minimum order value. Certain products or promotional lines may be excluded. The finance options available for your basket are confirmed at checkout, so you will always know what is available before you apply.

Finance orders are delivered within our standard delivery timeframes, the same as any other order from Charlies. Choosing to pay with finance does not affect how or when your order is dispatched.

Items purchased using finance follow our standard returns process. Refunds for financed purchases are processed back to the finance provider, not directly to you. When the refund is confirmed, any upcoming payments may be cancelled and any payments already made will be refunded to the card used. Please note that you remain liable to continue making payments until the return has been confirmed. You can view your payment schedule by logging in to your finance account directly with the provider.

Charlies works with a number of approved finance providers. The credit agreement for any finance taken out is between you and the relevant provider directly, not with Charlies. Full details of each provider, including their terms and conditions, are available on their individual pages linked above.

Your finance account is managed directly with the provider you chose at checkout. Refer to your agreement confirmation email for account access, login details, and contact information. Charlies does not have access to your finance account and cannot make changes on your behalf.

The finance options available through Charlies are provided by lenders that are authorised and regulated by the Financial Conduct Authority (FCA). The credit agreement is between you and the relevant lender. Please refer to each provider's page for full details of their regulatory status and terms and conditions.

Finance options may be available in Charlies stores as well as online. Please speak to a member of the team in your nearest store, who will be able to advise on the finance products available for your purchase.