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To see information on our other methods of payment, please click here.

Am I eligible for finance?

In order to be eligible for finance, you need to meet the following criteria:

  • Be 18 years of age or older.
  • Provide proof of PPS number & address.
  • Be an Irish citizen or permanent resident of Ireland.
  • Earn a minimum taxable income of €1,000 per month.
  • Have a current credit/debit card and a photo ID.
  • Have a good credit history.

How quickly will my finance application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases you will receive a decision quickly. If you submit your application outside of these hours, then it is most likely that you will receive a response the next working day. We will send you an email to confirm the status of your application as soon as we've processed it.

If my application is approved, what happens next?

Once your application for finance is approved, you will be redirected back to our confirmation page. humm® will send us a notification to process your order and we will send you an email advising you of the status of your application.

Once your order is processed you do not need to take any further action - we will assemble and dispatch your order in-line with our current lead times.

If my application is declined, what happens next and what are the possible reasons?

If your application is declined your deferred payment will be aborted. An immediate notification will be sent to your card issuer but unfortunately some banks may keep a shadow on your account for up to 1 week.

If you wish to proceed with your order by another payment method, you can do so by logging in to your account and following the options available to you.

There are various reasons why your application may have been rejected. In addition to credit scoring, other factors such as confirming your identity, validation of certain application details, existing commitments and information held at the credit reference agencies will be taken into account. Our finance company does not provide a reason for declining applications, but more often than not it is due to one or more of the following reasons:

  • 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 under the age of 18.
  • Your existing account performance with other lenders.

Will you credit score me and if so, what does this mean?

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 finance companies to produce consistent decisions, ensuring all our applicants are treated fairly.

Can I find out my credit score online?

There are several online companies who for a small fee can provide you with an online credit score. For example: Experian.

I have submitted my application to the finance company, but my order has not yet been processed?

Occasionally an application for finance might be referred for additional checks. As soon as the finance company has provided a decision to us we will process your order (if the application is accepted) and send you an email advising you of the status of your application. The process is fully automated.

I have changed my mind and no longer wish to proceed with an order by finance.

Contact us by email on [email protected] or phone +44 333 011 7000 so that we can cancel your order, your finance application and refund your deposit. Do not contact our finance company - we will do this on your behalf. If your order has been built or tested, charges may be incurred as per 6.7 of our Terms and Conditions. Should you abort your order by not sending in your Finance Agreement, we will have no way of knowing that this is the case and will not refund your deposit.

I have received my computer. How do I know who to pay?

Once your order has been dispatched you will receive your documents from the finance company. These documents will confirm the terms of the finance and when payment is due. Payment should always be made to the finance company. PC Specialist Ltd only receives payment of your initial deposit.

Can I change the finance agreement?

It is not possible to change the finance package that we offer. You cannot choose a different plan but you can make over-payments by calling the finance company directly once you have received the goods.