Buyline is a point-of-sale retail finance provider. This means we offer loans to purchase goods and services through a network of Business Partners.

When you purchase goods or services through a Buyline Business Partner they may offer you the opportunity to spread the cost over a longer period through our loan products. If this is something you like the sound of, please let the Business Partner know and they will guide you through our simple application process.

Once you’ve been approved for a loan, we’ll pay the Business Partner directly for the goods or services.

For us to consider you for one of our loans you must meet all the following criteria:

• Are over the age of 18
• Are a resident of UK
• Have a valid email address and telephone number
• Hold a UK bank account
• Has an income of over £9,500 & working a minimum of 16 hours per week.
• Do not have a history of bad credit, which includes missed repayments
• Do not have any defaulted accounts, bankruptcy or County Court Judgments (CCJs)
• Have a minimum 3 years U.K. address history.

Meeting our criteria doesn’t mean you’ll automatically be accepted for a loan as we’ll need to look at your individual circumstances to see whether you will meet our lending conditions including being able to afford the repayments.

When you apply to finance your purchase through a loan with us, we will ask you to provide information including:

• Your current address so we can identify and verify you.
• Your email address and telephone number so we can contact you about your application and your loan if approved.
• Your occupation and information about your income and expenditure so we can check if your loan is affordable for you.
• Your bank account number and sort code so we can set up a Direct Debit for your repayments.

A soft credit search (also known as a “quotation search”) may be performed when you apply so that we can take an initial look at certain information on your credit report.

When you agree to go ahead with your loan, we will record a hard search on your credit file. This means that any company searching your credit record will be able to see that you have applied for credit.

When your application has been received, we will send you an email to confirm we’ve received it and explain next steps.

Once we have completed our checks, we will let you know if your application has been successful or not by emailing you. Sometimes, we may need additional information to help us assess your application.

If your application is declined, we will write to you to let you know. We’ll also let the Business Partner know so they can contact you to discuss other payment options.

If you’ve changed your mind, you can withdraw from your Credit Agreement within 14 days starting the day after you signed your agreement. To withdraw, email hello@buyline.co.uk or write to us at:

Buyline Ltd,
B12 Elmbridge Court
Cheltenham Road East
Gloucester
GL3 1JZ

Telephone: (Relay UK 18001) 03330 230 134 (calls charged at the same rate as 01 or 02 numbers on mobile phone tariffs).

If you withdraw after we have already paid the loan amount to the Business Partner, you will have to repay the amount of the loan within 30 days beginning with the day after the date you told us want to withdraw.

Withdrawing from the loan does not cancel your purchase. You will need to make separate arrangements with the Business Partner.

Please contact the Business Partner for their Cancellation and Returns policy. Some products cannot be cancelled (for example, made-to-order or bespoke goods), so you should check this before you complete your purchase.

Before you get in touch with us, please contact the Business Partner first to give them a chance to sort things out for you.

If you remain unhappy with their response, please contact us and we’ll see how we can help.

Please contact the Business Partner who will be able to help you.

If there is a change to your personal information (for example, you’ve moved or changed your telephone number) it is important that you tell us so that our records remain accurate.

Email hello@buyline.co.uk or call (Relay UK 18001) 03330 230 134.

All our Credit Agreements are sent electronically. Once you’ve e-signed, we’ll send a copy to your email address. If you are unable to locate your agreement please contact us for a copy.

Please contact the Business Partner directly who will be able to assist you.

Your payments are automatically taken by Direct Debit, and we ask you to complete a Direct Debit Instruction when you receive your Credit Agreement. If you want to change your payment method, please contact us.

Your payments will usually begin one month after your loan start date unless you have one of our unregulated loans, in which case your first payment may be ten days after your loan start date.

Your loan start date is triggered by one of several events which are set out in your Credit Agreement (for example, the date your goods were delivered, or the date your service was started).

If you want to change your payment date, please contact us. If a Direct Debit payment is due shortly, we may not be able to change your payment until after it is collected.

You can make additional payments at any time. Please contact us to make a card payment or to request bank details for a bank transfer.

You can make additional payments of up to £8,000 per year without incurring any charges.

You can reinstate your Direct Debit by contacting your bank directly and asking them to reinstate your Direct Debit for ‘Eazipay Ltd re Buyline Ltd’ or by contacting Buyline.

If your payments are made by Direct Debit, you must contact us to provide your new bank details so that your repayments can continue without disruption.

Please contact our Customer Services Team to find out the balance owed on your account.

There is usually no penalty to repay your loan early. If your early settlement figure exceeds £8,000 there may be a penalty charge which is explained in your Credit Agreement.

You may be entitled to a rebate of interest if you repay your loan early. We will tell you whether you are due a rebate and the amount.

If you are struggling to keep up with your repayments, please contact us as soon as possible so we can discuss the options available.