Interest Free Credit

We are delighted to be able to offer the option of Interest Free Credit on all purchases over £200 at your viewing appointment. We are proud partners with PayItMonthly who provide this service for us and information on how the Interest Free Credit option works is below.

PayltMonthly is a form of credit that allows you to spread the cost of your purchase over monthly instalments. You must be 18 or over, a UK resident (excluding the Channel Islands), and meet our eligibility criteria. All credit is subject to status and affordability checks. Late or missed payments could impact your ability to access credit in the future. PayltMonthly is deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permissions Regime for Regulated Deferred Payment Credit. Details of the Temporary Permissions Regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website. Terms and conditions apply. For full details, visit payitmonthly.uk/terms

FAQ’s

How Does The Interest Free Credit Option Work?

  • At your viewing appointment we agree on the order you are placing, the images and best presentation options for them.
  • Let us know you would like to pay for your order via Interest Free Credit
  • We will place an application to PayItMonthly. To begin the application we need to ask you your name, phone number, email address, postcode & at least three years of address history.
  • PayItMonthly will immediately send you an email for you to complete your order on your smartphone
  • The rest of the application takes no more than 10 minutes (usually quicker) and will ask you for some personal details, including an affordability assessment.
  • You will be asked for your card details so PayItMonthly can take the first payment.
  • You will be given an instant decision.
  • Once completed the rest of your order will be processed as normal and you can expect a call from Mark Hewitson Photography in around 4-6 weeks to arrange a time for you to collect your beautiful finished bespoke images.

Are there limits on how much I can spend?

PayItMonthly interest free credit is available on products from £200 to £3000. Credit is available from 2 to 12 months. Credit terms offered are not set by Mark Hewitson Photography.

Who can apply for PayItMonthly interest free credit?

  • Applicants must be aged between 18 and 75
  • Be a permanent UK resident
  • Have a valid debit or credit card
  • Have a valid UK phone number
  • Have a valid email address

Will a credit check be performed?

Yes. A credit check is performed to assess your eligibility and affordability. PayItMonthly also has a quick pre-check service so you can assess your eligibility for PayItMonthly credit that will not affect your credit file.

How do I make my monthly payments?

Payment is collected via a Direct Debit. Payments will be collected automatically on the date that your installment is due. You can choose this date during your application.

My application was declined. Now what?

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your application was denied. PayItMonthly is not permitted to share application information with us. For more information please contact PayItMonthly.

Who can I contact if I need help?

For any questions related to PayItMonthly interest free credit please contact PayItMonthly by visiting https://payitmonthly.uk/
For a full list of FAQ’s please click here.

Are there any fees or charges?

No. There are no APR or hidden charges. PayItMonthly do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.

Can I cancel my agreement?

Because every order is placed with us in person and is a bespoke product made to your own specification (we wouldn’t be able to sell images of your pet to someone else!), there’s no cooling-off period on the order itself.

If you pay via PayItMonthly Interest Free Credit, however, you do have a separate right to withdraw from that finance agreement within 14 days of taking it out. If you choose to do this, your order stays in place under our standard Terms & Conditions; you’ll simply need to arrange an alternative way to pay us for it.

Full details of how to withdraw from the finance agreement are in PayItMonthly’s own terms at payitmonthly.uk/terms.