Spread the cost of payments with afforditNOW

  • logoQuick and easy online application
  • logoSelect payments to suit you
  • logoNo paperwork
  • logoInstant decision

It’s Easy to Apply

Simply choose your goods and select afforditNOW finance at checkout.

The online application takes just a few minutes and you’ll receive an instant decision.

logoSelect your purchases logoChoose afforditNOW at the checkout logoComplete the online application logoReceive an instant decision

Just a little upfront will do it

No big deposits or large fees to pay

We like things simple, £10 or 10% deposit upfront is all you need.

We’ll ask you for a valid debit or credit card during the application process.

You only pay if you’re approved.

afforditNOW offers a range of finance products

Flexible Finance from just £100. Select the payment terms to suit you  and wait up to 3 months to start paying.
Classic Finance Payable monthly over a set term of 24 months.
Buy Now Pay Later Payment holiday of 6 months. Pay off the loan within that period and  just pay a one time settlement fee.
Take the holiday and let it convert to a loan with  monthly payments. Interest is calculated from the start of the agreement.

Representative Examples

Flexible Finance over 12 months

Price: £421.00
Pay Today: £9.99
Deposit: £0.00

Loan Amount: £421.00
Cost of Credit: £484.75
Total Repayable: £494.74

Payment Holiday: 1 Month
No. of Payments: 11 Months
Monthly Payment: £44.07
APR: 35.7%
Interest Rate: 26.3%

19.9% Finance over 24 months

Price: £421.00
Deposit: £9.99

Loan Amount: £411.01
Cost of Credit: £85.99
Total Repayable: £506.99

No. of Payments: 24 Months
Monthly Payment: £20.71
APR: 19.9%
Interest Rate: 18.3%

Buy Now Pay Later in 6 months

Option 1:
Price: £421.00
Deposit: £9.99
Loan Amount: £411.01
Settlement Fee: £35.00
Buy Now, Pay In: 6 months
Total Repayable: £456.00

Option 2:
Price: £421.00
Deposit: £9.99
Loan Amount: £411.01
Cost of Credit: 184.54
Total Repayable: £605.54
No. of Payments: 24 Months
Monthly Payment: £24.82
APR: 29.9%
Interest Rate: 26.45%

How to Qualify

You need to:

  • logobe 18 or over and employed at least 16 hours per week
  • logohave 3 years continous UK address history
  • logohave a UK account that accepts direct debits
  • logohave a good credit history


We also welcome applications from retired individuals, in receipt of a private or company pension.

Please note: Finance is subject to application and status. Meeting the above criteria does not guarantee your application will be approved.

afforditNOW is provided by PayBreak Ltd, authorised and regulated by the Financial Conduct Authority. Registered in England with company number 07440512. Registered office: Grosvenor House, 20 Barrington Rd, Altrincham, WA14 1HB

Still have a few questions?


How long does it take to apply?


You should get an instant answer on whether your application for finance has been successful. In some cases we may need to review your application in more detail before making a decision.


What happens if my application is declined


You can still pay for the goods using an alternative payment method, such as debit or credit card.


Will I be charged if my application is declined


No, you will not be charged anything if your application is unsuccessful.


Can I pay the finance off early?


Yes, you can settle your loan at any time.


How do I pay the finance back?


Repayments are made by Direct Debit.


More FAQs


Please visit afforditNOW’s site for questions, support and advice.