Payment Information

Secure Payment?
When it comes to purchasing something, anything online, the security question towers above everything else. We do not take our store’s overall cyber security and particularly the billing process security lightly.

We use GeoTrust® True BusinessID with EV SSL Security, that has the highest level of authentication available among SSL certificates.
 
Also, it is comforting to know that should you experience any kind of technical bump in the road during the checkout process, you can always address our customer support department with your billing questions!
 
What payment methods are accepted?
Payment accepted by Paypal, Credit or Debit card and processed shortly after the order is placed using Barclays or Paypal Services. This is to protect us from card fraud.
Willow Bay are entitled to refuse any Order placed by you. If your Order is accepted, we will confirm acceptance to you by an email to the email address you have given us on the Order.

You undertake that all details you provide to us for the purpose of purchasing products or services which may be offered by us on our website will be correct, that the credit or debit card which you use is your own and that there are sufficient funds or credit facilities to cover the cost of any products or services.

We reserve the right to obtain validation and verification of the authenticity of your credit or debit card details before providing you with any products or services.
If you have any suggestions, please contact us using our contact us form.


Finance

Thinking of choosing finance
Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi.
First add the items you wish to purchase to your basket. When you reach checkout select 'Finance Application'. Once we have your order, a quick application form that takes no more than a couple of minutes to complete will be sent to your email. Once complete you’ll receive an instant decision and the order will be processed. If you have any queries, please call us on 01904 900125
Check your eligibility
Before you apply please note you will only be considered for finance if you:
  • Are at least 18 years old
  • Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
Our payment plan options
We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 or 12 months. The value of the loan needs to be over £499 and you can choose a deposit of up to 10% of the value of the goods. Representative examples would be:
0% finance over 12 months
  • Total order value = £600
  • 10% deposit = £60
  • Total amount of credit = £540
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £45
  • Total amount payable = £600
Paying with finance
Simply add the purchases to your basket and select Duologi at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Finance decision
Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

 

Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.

 

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.
Repaying the loan
Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.
Cancellation
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.

 

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.
The legal bit
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.

 

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.
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