About Finance at Middletons

Here at Middletons, we are proud to offer a range of financing solutions that allow you to spread the cost of your purchase. To make it easy, we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online. To make our finance solutions completely clear, we have put together a list of questions to help you understand all the options and how to make the most of them.

Am I eligible for finance?

Before you apply please note you will only be considered for finance if you:

  • Are at least 18 years old
  • Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies

What finance options do you offer?

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12, 24 or 36 months. The value of the loan needs to be over £500 and you can choose a deposit of up to 50% of the value of the goods.

Representative examples would be:

0% finance over 12 months

  • Total order value = £1000
  • 10% deposit = £100
  • Total amount of credit = £900
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £75
  • Total amount payable = £100

14.9% finance over 12 months

  • Total order value = £1000
  • 10% deposit = £100
  • Total amount of credit = £900
  • Duration = 12 months
  • Representative APR = 14.9%
  • Interest charged = £69.55
  • 12 monthly payments of = £80.80
  • Total amount payable = £1069.55

What is the minimum I need to spend to apply for finance?

To apply for finance, you must spend at least £500.

How do I apply for finance?

To apply for finance, simply complete your order as usual. When you get to the 'Payment Method' section of the checkout, please select the 'Apply for Finance' option. Continue with your order and you will be directed to the website of the finance provider, Duologi. Please enter your details as requested to apply. If you are accpeted, you will also need to pay your deposit at this stage.

When can I apply for finance?

You can apply for finance online at any time, day or night. However, if you want to speak to someone on our team to help you process your finance application, you'll need to call us during our business hours of 9:00am to 5:00pm.

Please explain about how the decision is made?

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 then wait for your order to arrive.

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.

What happens if my application is not approved?

If you are not approved for finance, please give us a call. We might be able to arrange a different plan or offer you other payment options. And remember, you can still choose to shop with your credit/debit card online at Middletons.

When will I start replaying 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.

Can I cancel my loan?

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.

Are my personal details secure?

Yes. We are dedicated to providing a secure shopping experience. Our website is hosted by Shopify, an ecommerce provider. Shopify is certified by the Payment Card Industry, and meets the requirements of the Payment Card Industry Data Security Standard. This protection extends to our website. We also regularly monitor and test our network, so you can rest assured that your details will be protected at all stages of shopping and payment. For details of security at Duologi, our payment partner, please see this FAQ.

The legal bit

Middleton Mobility is authorised and regulated by the Financial Conduct Authority, register number XXXXX and act as a credit intermediary. 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.

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 read their FAQ or visit their website.