Question 1

Who provides the finance?

Accepted Answer

Finance is provided by FCA-authorised lending partners in the UK. Discount Trade Ltd is authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender.

Question 2

Will applying affect my credit score?

Accepted Answer

We offer a soft search eligibility check that won't affect your credit score. A full credit search is only run once you choose to proceed with a formal application.

Question 3

How fast is approval?

Accepted Answer

Most decisions are returned within minutes, subject to status and affordability checks.

Question 4

Can I pay off early?

Accepted Answer

Yes — under the Consumer Credit Act you have the right to settle regulated agreements early, and most of our plans have no early settlement penalty. Check your specific agreement for any partial-rebate terms.

Question 5

Is the agreement covered by the Consumer Credit Act?

Accepted Answer

Regulated agreements (typically £50–£60,260) are covered by the Consumer Credit Act 1974, giving you a 14-day cooling-off period and Section 75 protection on credit purchases over £100.

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Finance questions, answered.

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