Tel: 01642 363738     Web : www.nationalnumbers.co.uk

How do I choose to pay by Finance?

Once you've found the registration you want, look out for information on the website indicating whether finance is available. Select from the available options to buy online, or let our sales staff know if you're buying over the phone.

Who is eligible to apply for online finance?

To apply for finance, you must be over 18 years of age and under 75, work at least 16 hours a week, be retired with an income, or in receipt of an invalidity or disability allowance. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years or more. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

Credit subject to status and affordability. Terms & Conditions Apply. National Numbers are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Applying for online finance

When you buy online from National Numbers you have the choice of applying for instant finance by selecting your preferred finance plan and completing a finance application form.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.
Following receipt of your finance agreement and a few additional checks, your registration will be dispatched.


Further questions answered

Here's some of the most commonly asked questions regarding online finance.

Q: Once my application is approved, what happens next?
A: Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement National Numbers will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Completion of your order cannot be carried out until your completed and signed agreement is returned and received by Hitachi Capital.

Q: Will you credit score me and if so, what does this mean?
A: Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

Q: If you decline my application, what is the reason?
A: In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

Q: What type of information do credit reference agencies hold about me?
A: Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

Q: How do I obtain a copy of this information?
A: You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

  • Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
  • Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Q: If my application is not successful, can I re-apply?
A: Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Hitachi Personal Finance
Hitachi Capital Consumer Finance is fully accredited by the Institute of Customer Service (ICS)
Hitachi Personal Finance was voted the Best Direct Personal Loan Provider in the Your Money Awards 2015
Hitachi Personal Finance was voted the Best Unsecured Loans Lender in the Personal Finance Awards 2014
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