How Electricals Bad Credit Works
Electricals Bad Credit is powered by our partner shop and monthly payments — the UK's fastest 0% APR store credit facility. Here's what happens after you click Apply.
1
Apply in 60 seconds
Answer a few basic questions. No hard credit check, no fees, no impact on your credit score.
2
Instant approval
We use our own affordability model — not a credit bureau. Nearly everyone is approved with up to £1,200 to spend.
3
Shop with 0% APR
Choose from the shop's full range — TVs, phones, laptops, furniture, gaming, appliances. Zero interest, ever.
4
£4.99 activation, then monthly payments
A one-off £4.99 activates your plan. Then pay monthly with monthly payments over 6, 9 or 12 months.
5
Delivery in 10 working days
After you confirm your delivery details we schedule dispatch within 10 working days. Free delivery UK-wide.