Finance Buy Now Pay Later

0% APROn ALL BasketsAnd payment terms to suit you
Far lower than you’ll pay elsewhere!

Pay Less at Herne Bay Domestics

Buy appliances on finance with us and pay a lower interest rate than you would at any of our major competitors.

  • 0% APR finance on ALL baskets
  • Short-term & long-term finance options
  • Fixed-rate payments
  • Options to pay over 6, 10, 12, 18 or 24 months (or a minimum of 4 weeks for short-term finance)

And there’s no hidden fees!

Finance options available include:
Omni Clearpay logo Klarna logo

Frequently Asked Questions

How does interest free finance work?

Interest free finance (also known as 0% finance) allows you to buy the appliance you need now and pay for it over a period of time, without paying any extra money on interest. You’ll pay the exact same amount through interest free finance as you would by paying in full today – you’ll just have longer to spread out the payments.

This allows you to get the appliance in your home now, without the upfront cost. You can get long-term interest free appliances on any basket over £278, and short-term interest free on any basket under £1000 when choosing Clearpay and Klarna’s ‘Pay in 3 instalments’ (please note: the minimum order requirement for Klarna is £35). Klarna’s ‘Pay in 30 days’ payment method has no minimum or maximum basket value.

How do I buy appliances on finance?

Buying appliances on finance at Herne Bay Domestics is easy. First, click the “Buy Now” button on the appliance you wish to buy. This will take you through to your basket page where you can review your order. Once you are happy with your basket, click the “Proceed to checkout” button (exactly as you normally would when buying appliances from us) and fill out your billing details.
Short-term finance
If your basket is under £1,000, you’ll see Clearpays payment button beneath your basket total. Select this payment method and press “Place Order”. You will then be directed to Clearpay’s quick and simple checkout.
clearpay finance appliances
You’ll also see Klarna’s payment button beneath all basket amounts. Select Klarna if this is your preferred payment method and press “Place Order”. You will then be directed to Klarna’s safe and secure checkout.
Long-term finance
If your basket total is over £278, you’ll see a “Omni Capital Finance” button beneath your basket total. Simply click this button and select the best finance option for you.
buy appliances on finance

Can I choose my deposit amount?

Yes, you are able to choose the deposit amount when selecting long-term finance via Omni Capital Finance. The minimum deposit amount for this is 10% of your basket total (please note that this excludes 6 months Interest Free (0%) term length where the minimum deposit amount is 20% of your basket total).

Whereas if you’re selecting Clearpay for short-term finance, you don’t have to pay any deposit. You instead pay the first instalment upfront, which is 25% of your full purchase amount.

If you’re selecting Klarna’s ‘Pay in 30 days’ as a payment method, no deposit is required. For Klarna’s ‘Pay in 3 instalments’, you also don’t have to pay any deposit. For this option, you instead pay the first instalment upfront, which is 1/3 of your full purchase amount.

How much do I pay per month?

The cost per month is determined by your basket total and the finance options you choose. You’ll see the exact amount you’ll need to pay per month without committing by adding the products to your basket and going to the checkout.

When is the first payment due?

The date when the first payment is due will depend on the finance option you choose. If you’re selecting short-term finance through Clearpay, you’ll pay 25% of your full purchase upfront, then 25% every 2 weeks for the next 6 weeks. If you’re selecting short-term finance through Klarna using their ‘Pay in 3 instalment’ payment option, your first instalment will be taken upfront, and the second and third instalments will be due 30 and 60 days later. For long-term finance through Omni Capital Finance, you’ll pay your initial deposit and then the first payment will be due approximately 30 days after your goods have been delivered.

Is there anything I can’t buy on finance?

By partnering with three of the industry’s leading finance companies, you can buy any appliance listed on our website through finance, regardless as to how much it costs.

Short term-finance with Klarna’s ‘Pay in 30 days’ is available on all baskets. Klarna’s ‘Pay in 3 instalments’ is available on all baskets over £35 and under £1000. Clearpay also allows you to get short-term finance on all baskets under £1000. For long-term finance, this applies to baskets over £278.

Can I make additional payments into my account?

Yes, you can make additional payments on your account through both short-term and long-term finance options. To make a manual payment with Clearpay or Klarna, you can log into your customer portal and manually make a payment. If you’re making an additional payment through Omni Capital Finance, your monthly instalments will remain the same however your finance agreement will be paid off much quicker.

Are there any hidden fees?

No. There are no hidden fees with our finance options. You’ll see a complete breakdown of all fees at the checkout before you commit to buying anything.

For Omni Capital Finance, the only possible additional fee would be if you fall into arrears. In that instance, Omni Capital Finance will charge you for each arrears letter sent out. This won’t affect you if you pay your fixed monthly payments on time.

For Clearpay & Klarna, you will only ever pay the price shown, so long as you pay your scheduled payments on time.

How do I know if I’m eligible for finance?

Different lenders have different criteria. Here’s the eligibility criteria for each of the finance providers we offer:
Omni Capital
You may be eligible for Omni Capital if you:
– Have a valid email address and can access it
– Be over 18 years of age
– Be employed for at least 16 hours per week, or retired and in receipt of a private/company pension. Certain state benefit schemes may also be considered
– Be a permanent UK resident with a 3 year address history
– Have a good credit history with no late payments, debt relief orders or bankruptcies
Clearpay
To be eligible for Clearpay you must:
– Be over the age of 18
– Have an email address and telephone number
– Have a UK issued debit card
– Be able to enter a legally binding contract
– Be living in the UK
– Have a verified and valid ID
Klarna
To shop using Klarna, you need:
– To be over the age of 18
– To have a positive credit history
– To not be heavily indebted
– To be able to connect to your bank account
Please note: Meeting the criteria listed above does not guarantee finance acceptance.

I have a question, who can I contact?

Us! You can call us on 01227 361536 during opening hours and we’ll be more than happy to help.

Representative Examples

Here are the representative examples for each of the finance options we offer:

Omni Capital: Representative Example
0% Finance Over 24 Months
Goods Price £879.00
Initial Payment £87.90
Total Amount Of Credit £791.10
24 Monthly Payments £32.96
Total Amount Payable £879.00
Agreement Duration 24 Months
Representative APR 0% APR
Klarna: Representative Example
0% Finance Over 60 Days
Goods Price £879.00
Initial Payment £293.00
Total Amount Of Credit £586.00
3 Seperate Payments £293.00
Total Amount Payable £879.00
Agreement Duration 60 Days
Representative APR 0% APR
Clearpay: Representative Example
0% Finance Over 6 Weeks
Goods Price £879.00
Initial Payment £219.75
Total Amount Of Credit £659.25
4 Seperate Payments £219.75
Total Amount Payable £879.00
Agreement Duration 6 Weeks
Representative APR 0% APR

Have a Question? 01227 361536

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