Return home
Frequently Asked Questions
Have questions? Hopefully, we can answer them. Dive into our FAQs below.
What is finance?
01
What is finance
02
What is interest?
03
What is APR?
04
What is Operating Lease?
05
What is a Fixed-Sum Loan?
06
Will applying for finance
affect my credit score?
07
What is a credit check?
08
What finance products are
offered?
09
What are the costs involved
within purchasing on
finance?
10
Can I complete the entire
purchase of my finance
agreement online?
11
Is financing the same
as using a credit card?
12
Is financing safe and
regulated?
Application Stage
01
What is a finance
application?
02
How do I apply for finance?
03
Why does it need my
information?
04
What happens with my
data?
05
What is a credit reference
agency?
06
Why is a credit check
conducted?
07
What is a soft credit check?
08
What is a hard credit check?
09
How long does it take to
get a decision?
10
What happens if I'm
declined?
11
Is my application secure?
12
What documentation is part
of a finance application?
13
Can I download and store my
finance documentation?
14
Can I cancel my finance
application after
submitting it?
15
I can only apply in my name.
Are joint finance
applications allowed?
16
I have recently moved house.
What address shall I put
down?
17
Who are Sum Sub and
what is ID Verification?
Finance Loan (Lending)
01
What is a Fixed-Sum Loan?
02
How are my repayments
structured?
03
Is my agreement a Fixed-
Sum Loan?
04
What is the difference
between a Fixed-Sum
Loan and a Hire
agreement?
05
Will I pay interest on the
loan?
06
Do I own my device /
equipment with me as a
Fixed-Sum Loan
customer?
07
When will payments start on
my Loan?
08
Is this a regulated
agreement?
09
Is insurance included?
10
Can I settle my Loan early?
11
Am I Iocked into the lending
agreement once I sign?
Credit Broking
01
What is a credit broker?
02
Will this affect my credit
score?
03
Do you receive a
commission from the
lender?
04
Do you recommend a
specific lender?
05
Is credit broking regulated?
06
How do I know who the
lender is?
07
Can I contact the lender
directly?
08
Can I change my mind
after being matched with
a lender?
09
Who are the finance
partners?
10
Why is my finance with a
lender that is not blumepay?
11
I need to contact my
lender. How do I do this?
Important things to know about my agreement
01
What are the risks of using
finance?
02
What are my responsibilities
within my Loan agreement?
03
What happens if I miss a
payment?
04
Can I lose the asset if I don't
keep up payments?
05
Will missing a payment
affect my credit score?
06
What are my options when
I go into arrears on my
agreement
07
What is a 'Default'?
08
What if I have vulnerabilities
/ am a vulnerable customer?
09
What happens if I change my
mind about a finance
agreement? What are my
options?
10
What if my financial situation
changes?
11
I'd like someone to discuss
my account on my behalf.
What do I need to do?
12
I have moved house. What do
I need to do?
13
I have a question about my
finance contract. Who can I
contact?
14
Can the agreement be
changed after I sign it?
15
Is there a risk I won't get the
product or service after
signing?
16
What happens at the end
of my Loan agreement?
17
Can I sell my device/
equipment during my Loan
agreement?
18
Can I overpay on my finance
agreement and what
happens if I do?
19
Does finance help build my
credit score?
20
Is it easier than getting a
traditional loan?
Consumer Rights
01
What rights do I have within
my Loan agreement?
02
What does 'Title Ownership'
mean?
03
Who owns the Asset in a
Loan contract?
04
What is a 'Right of
Withdrawal' and what
happens if I execute
this right?
05
What are my consumer
rights within my Loan
agreement?
06
What are my cancellation
rights for my Loan
agreement?
07
What if the goods are faulty
or not delivered?
08
What can I do if I'm treated
unfairly?
Consumer Rights (within my contract)
01
Can I change my Direct Debit
date for my agreement?
02
Where can I find my
contract?
03
Can the terms of my
contract change?
04
How do I make my monthly
payments?
05
Can I check how many
payments I have left?
06
Can I move my agreement
to someone else?
07
What if I need a copy of my
agreement later?
Quick links
Contact us
120 King's Road, London, SW3 4TR
0100 4793 0741
support@blumepay.com
Liberty Blume Financial Solutions Limited, t/a blumepay, is authorised and regulated by the Financial Conduct Authority (FRN 1023392). Loans and Contract Hire products are only available to UK residents aged 18+, subject to status. Terms and conditions apply.
Blumepay acts as a lender and a broker in respect of Consumer Credit and a lessor in respect of Consumer Hire. If you choose a contract hire product, you will never own the equipment and it must be returned to us at the end of your contract. Return conditions and charges may apply. In limited circumstances, we may act as a credit broker, not a lender, and we may introduce you to a limited number of finance providers. We will not charge you a fee for the introduction we make however, we may receive a commission in the form of a payment or other remuneration from the lender we introduce you to. The commission or remuneration we receive will not impact the amount you pay under the finance agreement. If you would like to know more, please ask us or the lender we introduce you to.
Registered address: 120 King's Road, London, SW3 4TR. Company number 14555573. VAT Number 470498467.
For any questions or queries please contact us on: 0100 4793 0741 or email us at: blumepaycare@libertyglobal.com
Return home
Frequently Asked Questions
Have questions? Hopefully, we can answer them. Dive into our FAQs below.
What is finance?
01
What is finance
02
What is interest?
03
What is APR?
04
What is Operating Lease?
05
What is a Fixed-Sum Loan?
06
Will applying for finance affect my credit score?
07
What is a credit check?
08
What finance products are offered?
09
What are the costs involved within purchasing on finance?
10
Can I complete the entire purchase of my finance
agreement online?
11
Is financing the same as using a credit card?
12
Is financing safe and regulated?
Application Stage
01
What is a finance application?
02
How do I apply for finance?
03
Why does it need my information?
04
What happens with my data?
05
What is a credit reference agency?
06
Why is a credit check conducted?
07
What is a soft credit check?
08
What is a hard credit check?
09
How long does it take to get a decision?
10
What happens if I'm declined?
11
Is my application secure?
12
What documentation is part of a finance application?
13
Can I download and store my finance documentation?
14
Can I cancel my finance application after submitting it?
15
I can only apply in my name. Are joint finance applications allowed?
16
I have recently moved house. What address shall I put down?
17
Who are Sum Sub and what is ID Verification?
Finance Loan (Lending)
01
What is a Fixed-Sum Loan?
02
How are my repayments structured?
03
Is my agreement a Fixed-Sum Loan?
04
What is the difference between a Fixed-Sum Loan and a Hire agreement?
05
Will I pay interest on the loan?
06
Do I own my device / equipment with me as a Fixed-Sum Loan customer?
07
When will payments start on my Loan?
08
Is this a regulated agreement?
09
Is insurance included?
10
Can I settle my Loan early?
11
Am I Iocked into the lending agreement once I sign?
Credit Broking
01
What is a credit broker?
02
Will this affect my credit score?
03
Do you receive a commission from the lender?
04
Do you recommend a specific lender?
05
Is credit broking regulated?
06
How do I know who the lender is?
07
Can I contact the lender directly?
08
Can I change my mind after being matched with a lender?
09
Who are the finance partners?
10
Why is my finance with a lender that is not blumepay?
11
I need to contact my lender. How do I do this?
Important things to know about my agreement
01
What are the risks of using finance?
02
What are my responsibilities within my Loan agreement?
03
What happens if I miss a payment?
04
Can I lose the asset if I don't keep up payments?
05
Will missing a payment affect my credit score?
06
What are my options when I go into arrears on my agreement
07
What is a 'Default'?
08
What if I have vulnerabilities / am a vulnerable customer?
09
What happens if I change my mind about a finance agreement? What are
my options?
10
What if my financial situation changes?
11
I'd like someone to discuss my account on my behalf. What do I need to do?
12
I have moved house. What do I need to do?
13
I have a question about my finance contract. Who can I contact?
14
Can the agreement be changed after I sign it?
15
Is there a risk I won't get the product or service after signing?
16
What happens at the end of my Loan agreement?
17
Can I sell my device/equipment during my Loan agreement?
18
Can I overpay on my finance agreement and what happens if I do?
19
Does finance help build my credit score?
20
Is it easier than getting a traditional loan?
Consumer Rights
01
What rights do I have within my Loan agreement?
02
What does 'Title Ownership' mean?
03
Who owns the Asset in a Loan contract?
04
What is a 'Right of Withdrawal' and what happens if I execute this right?
05
What are my consumer rights within my Loan agreement?
06
What are my cancellation rights for my Loan agreement?
07
What if the goods are faulty or not delivered?
08
What can I do if I'm treated unfairly?
Consumer Rights (within my contract)
01
Can I change my Direct Debit date for my agreement?
02
Where can I find my contract?
03
Can the terms of my contract change?
04
How do I make my monthly payments?
05
Can I check how many payments I have left?
06
Can I move my agreement to someone else?
07
What if I need a copy of my agreement later?
Quick links
Contact us
120 King's Road, London, SW3 4TR
0100 4793 0741
support@blumepay.com
Liberty Blume Financial Solutions Limited, t/a blumepay, is authorised and regulated by the Financial Conduct Authority (FRN 1023392). Loans and Contract Hire products are only available to UK residents aged 18+, subject to status. Terms and conditions apply.
Blumepay acts as a lender and a broker in respect of Consumer Credit and a lessor in respect of Consumer Hire. If you choose a contract hire product, you will never own the equipment and it must be returned to us at the end of your contract. Return conditions and charges may apply. In limited circumstances, we may act as a credit broker, not a lender, and we may introduce you to a limited number of finance providers. We will not charge you a fee for the introduction we make however, we may receive a commission in the form of a payment or other remuneration from the lender we introduce you to. The commission or remuneration we receive will not impact the amount you pay under the finance agreement. If you would like to know more, please ask us or the lender we introduce you to.
Registered address: 120 King's Road, London, SW3 4TR. Company number 14555573. VAT Number 470498467.
For any questions or queries please contact us on: 0100 4793 0741 or email us at: blumepaycare@libertyglobal.com
Return home
Frequently Asked Questions
Have questions? Hopefully, we can answer them. Dive into our FAQs below.
What is finance?
01
What is finance
02
What is interest?
03
What is APR?
04
What is Operating Lease?
05
What is a Fixed-Sum Loan?
06
Will applying for finance affect my credit score?
07
What is a credit check?
08
What finance products are offered?
09
What are the costs involved within purchasing on finance?
10
Can I complete the entire purchase of my finance agreement online?
11
Is financing the same as using a credit card?
12
Is financing safe and regulated?
Application Stage
01
What is a finance application?
02
How do I apply for finance?
03
Why does it need my information?
04
What happens with my data?
05
What is a credit reference agency?
06
Why is a credit check conducted?
07
What is a soft credit check?
08
What is a hard credit check?
09
How long does it take to get a decision?
10
What happens if I'm declined?
11
Is my application secure?
12
What documentation is part of a finance application?
13
Can I download and store my finance documentation?
14
Can I cancel my finance application after submitting it?
15
I can only apply in my name. Are joint finance applications allowed?
16
I have recently moved house. What address shall I put down?
17
Who are Sum Sub and what is ID Verification?
Finance Loan (Lending)
01
What is a Fixed-Sum Loan?
02
How are my repayments structured?
03
Is my agreement a Fixed-Sum Loan?
04
What is the difference between a Fixed-Sum Loan and a Hire agreement?
05
Will I pay interest on the loan?
06
Do I own my device / equipment with me as a Fixed-Sum Loan customer?
07
When will payments start on my Loan?
08
Is this a regulated agreement?
09
Is insurance included?
10
Can I settle my Loan early?
11
Am I Iocked into the lending agreement once I sign?
Credit Broking
01
What is a credit broker?
02
Will this affect my credit score?
03
Do you receive a commission from the lender?
04
Do you recommend a specific lender?
05
Is credit broking regulated?
06
How do I know who the lender is?
07
Can I contact the lender directly?
08
Can I change my mind after being matched with a lender?
09
Who are the finance partners?
10
Why is my finance with a lender that is not blumepay?
11
I need to contact my lender. How do I do this?
Important things to know about my agreement
01
What are the risks of using finance?
02
What are my responsibilities within my Loan agreement?
03
What happens if I miss a payment?
04
Can I lose the asset if I don't keep up payments?
05
Will missing a payment affect my credit score?
06
What are my options when I go into arrears on my agreement
07
What is a 'Default'?
08
What if I have vulnerabilities / am a vulnerable customer?
09
What happens if I change my mind about a finance agreement? What are my options?
10
What if my financial situation changes?
11
I'd like someone to discuss my account on my behalf. What do I need to do?
12
I have moved house. What do I need to do?
13
I have a question about my finance contract. Who can I contact?
14
Can the agreement be changed after I sign it?
15
Is there a risk I won't get the product or service after signing?
16
What happens at the end of my Loan agreement?
17
Can I sell my device/equipment during my Loan agreement?
18
Can I overpay on my finance agreement and what happens if I do?
19
Does finance help build my credit score?
20
Is it easier than getting a traditional loan?
Consumer Rights
01
What rights do I have within my Loan agreement?
02
What does 'Title Ownership' mean?
03
Who owns the Asset in a Loan contract?
04
What is a 'Right of Withdrawal' and what happens if I execute this right?
05
What are my consumer rights within my Loan agreement?
06
What are my cancellation rights for my Loan agreement?
07
What if the goods are faulty or not delivered?
08
What can I do if I'm treated unfairly?
Consumer Rights (within my contract)
01
Can I change my Direct Debit date for my agreement?
02
Where can I find my contract?
03
Can the terms of my contract change?
04
How do I make my monthly payments?
05
Can I check how many payments I have left?
06
Can I move my agreement to someone else?
07
What if I need a copy of my agreement later?
Quick links
Contact us
120 King's Road, London, SW3 4TR
0100 4793 0741
support@blumepay.com
Liberty Blume Financial Solutions Limited, t/a blumepay, is authorised and regulated by the Financial Conduct Authority (FRN 1023392). Loans and Contract Hire products are only available to UK residents aged 18+, subject to status. Terms and conditions apply.
Blumepay acts as a lender and a broker in respect of Consumer Credit and a lessor in respect of Consumer Hire. If you choose a contract hire product, you will never own the equipment and it must be returned to us at the end of your contract. Return conditions and charges may apply. In limited circumstances, we may act as a credit broker, not a lender, and we may introduce you to a limited number of finance providers. We will not charge you a fee for the introduction we make however, we may receive a commission in the form of a payment or other remuneration from the lender we introduce you to. The commission or remuneration we receive will not impact the amount you pay under the finance agreement. If you would like to know more, please ask us or the lender we introduce you to.
Registered address: 120 King's Road, London, SW3 4TR. Company number 14555573. VAT Number 470498467.
For any questions or queries please contact us on: 0100 4793 0741 or email us at: blumepaycare@libertyglobal.com
Return home
Frequently Asked Questions
Have questions? Hopefully, we can answer them. Dive into our FAQs below.
What is finance?
01
What is finance
02
What is interest?
03
What is APR?
04
What is Operating Lease?
05
What is a Fixed-Sum Loan?
06
Will applying for finance affect my credit score?
07
What is a credit check?
08
What finance products are offered?
09
What are the costs involved within purchasing on finance?
10
Can I complete the entire purchase of my finance agreement online?
11
Is financing the same as using a credit card?
12
Is financing safe and regulated?
Application Stage
01
What is a finance application?
02
How do I apply for finance?
03
Why does it need my information?
04
What happens with my data?
05
What is a credit reference agency?
06
Why is a credit check conducted?
07
What is a soft credit check?
08
What is a hard credit check?
09
How long does it take to get a decision?
10
What happens if I'm declined?
11
Is my application secure?
12
What documentation is part of a finance application?
13
Can I download and store my finance documentation?
14
Can I cancel my finance application after submitting it?
15
I can only apply in my name. Are joint finance applications allowed?
16
I have recently moved house. What address shall I put down?
17
Who are Sum Sub and what is ID Verification?
Finance Loan (Lending)
01
What is a Fixed-Sum Loan?
02
How are my repayments structured?
03
Is my agreement a Fixed-Sum Loan?
04
What is the difference between a Fixed-Sum Loan and a Hire agreement?
05
Will I pay interest on the loan?
06
Do I own my device / equipment with me as a Fixed-Sum Loan customer?
07
When will payments start on my Loan?
08
Is this a regulated agreement?
09
Is insurance included?
10
Can I settle my Loan early?
11
Am I Iocked into the lending agreement once I sign?
Credit Broking
01
What is a credit broker?
02
Will this affect my credit score?
03
Do you receive a commission from the lender?
04
Do you recommend a specific lender?
05
Is credit broking regulated?
06
How do I know who the lender is?
07
Can I contact the lender directly?
08
Can I change my mind after being matched with a lender?
09
Who are the finance partners?
10
Why is my finance with a lender that is not blumepay?
11
I need to contact my lender. How do I do this?
Important things to know about my agreement
01
What are the risks of using finance?
02
What are my responsibilities within my Loan agreement?
03
What happens if I miss a payment?
04
Can I lose the asset if I don't keep up payments?
05
Will missing a payment affect my credit score?
06
What are my options when I go into arrears on my agreement
07
What is a 'Default'?
08
What if I have vulnerabilities / am a vulnerable customer?
09
What happens if I change my mind about a finance agreement? What are my options?
10
What if my financial situation changes?
11
I'd like someone to discuss my account on my behalf. What do I need to do?
12
I have moved house. What do I need to do?
13
I have a question about my finance contract. Who can I contact?
14
Can the agreement be changed after I sign it?
15
Is there a risk I won't get the product or service after signing?
16
What happens at the end of my Loan agreement?
17
Can I sell my device/equipment during my Loan agreement?
18
Can I overpay on my finance agreement and what happens if I do?
19
Does finance help build my credit score?
20
Is it easier than getting a traditional loan?
Consumer Rights
01
What rights do I have within my Loan agreement?
02
What does 'Title Ownership' mean?
03
Who owns the Asset in a Loan contract?
04
What is a 'Right of Withdrawal' and what happens if I execute this right?
05
What are my consumer rights within my Loan agreement?
06
What are my cancellation rights for my Loan agreement?
07
What if the goods are faulty or not delivered?
08
What can I do if I'm treated unfairly?
Consumer Rights (within my contract)
01
Can I change my Direct Debit date for my agreement?
02
Where can I find my contract?
03
Can the terms of my contract change?
04
How do I make my monthly payments?
05
Can I check how many payments I have left?
06
Can I move my agreement to someone else?
07
What if I need a copy of my agreement later?
Quick links
Contact us
120 King's Road, London, SW3 4TR
0100 4793 0741
support@blumepay.com
Liberty Blume Financial Solutions Limited, t/a blumepay, is authorised and regulated by the Financial Conduct Authority (FRN 1023392). Loans and Contract Hire products are only available to UK residents aged 18+, subject to status. Terms and conditions apply.
Blumepay acts as a lender and a broker in respect of Consumer Credit and a lessor in respect of Consumer Hire. If you choose a contract hire product, you will never own the equipment and it must be returned to us at the end of your contract. Return conditions and charges may apply. In limited circumstances, we may act as a credit broker, not a lender, and we may introduce you to a limited number of finance providers. We will not charge you a fee for the introduction we make however, we may receive a commission in the form of a payment or other remuneration from the lender we introduce you to. The commission or remuneration we receive will not impact the amount you pay under the finance agreement. If you would like to know more, please ask us or the lender we introduce you to.
Registered address: 120 King's Road, London, SW3 4TR. Company number 14555573. VAT Number 470498467.
For any questions or queries please contact us on: 0100 4793 0741 or email us at: blumepaycare@libertyglobal.com