At SoftwareMS, we understand that all our customers are not the same. You purchase different products, with different needs in mind and of course prefer to pay in different ways.

Because of this, we've put together a range of special finance deals that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative.

Applying for online finance

Applying for finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief on-line application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

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

How quickly will my application be processed?

We'll endeavour to provide a response the next working day. We'll send you an email to confirm the status of your application as soon as we've processed it.

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 us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

If you decline my application, what is the reason?

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

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgments 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.

How do I obtain a copy of this information?

You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

You can also find out more about credit decisions by visiting the above companies' websites: http://www.experian.co.uk/ and http://www.equifax.co.uk/

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

Who is my finance actually with?

We source the best value finance products from providers who excel in their customer service. Your finance agreement will be with one of the UK's leading finance houses.

If my application is not successful, can I re-apply?

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.

Who is eligible to apply for finance?

To apply you must be between the ages of 18 and 75*, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from application under their own names; however we will require the employment details of your spouse in order to process your application.

What if I still need assistance after reading the information in this section?

Simply email our customer services team at Info@SoftwareMS.co.uk detailing the nature of your enquiry. A customer services advisor will get back to you as soon as possible with an answer to your question. 

What if I am a business does this mean we can apply for finance?

For all business clients, we can offer a leasing facility and would be happy to forward you with relevant information, explaining more. Contact our customer services team at Info@SoftwareMS.co.uk or 0121 446 5577 and we will be more than happy to talk some more with you.