For us to consider you for one of our loans you must meet all the following criteria:

• At least 18 years old
• Regular income from employment, pension or other acceptable income
• UK resident
• UK bank account capable of accepting Direct Debits
• You are not currently bankrupt, subject to an Individual Voluntary Arrangement (“IVA”), or have any Country Court Judgments (“CCJs”)

Meeting our criteria doesn’t mean you’ll automatically be accepted for a loan as we’ll need to look at your individual circumstances to see whether you will meet our lending conditions including being able to afford the repayments over the life of the loan. However, by making sure you meet our eligibility criteria before you apply, you’re a step further towards obtaining your loan.

When you apply to finance your purchase through a loan with us, we will ask you to provide information including:

• Your current address so we can identify and verify you.
• Your email address and telephone number so we can contact you about your application and your loan if approved.
• Your occupation and information about your income and expenditure so we can check if your loan is affordable for you.
• Your bank account number and sort code so we can set up a Direct Debit for your repayments.

A soft credit search (also known as a “quotation search”) is performed when you apply for your loan so that we can take an initial look at certain information on your credit report to decide if you are likely to be successful in your application.

Although this type of search will appear on your credit record, they will only be visible to you. As they aren’t visible to other companies, they will have no impact on your credit score or any future applications you may make.

When you agree to go ahead with your loan, we will record a hard search on your credit file. This means that any company searching your credit record will be able to see that you have applied for credit.

Open Banking is a secure way for you to share your bank transaction data with Buyline (with your permission). It helps us quickly understand your income and spending so we can assess your application more accurately. 

We use Open Banking to make the application process quicker and easier. 

Instead of uploading documents like bank statements, you can securely share your financial information directly. This helps us: 

• verify your income and spending 

• make faster decisions 

• ensure the finance is suitable for you 

Yes. Open Banking is highly secure and regulated in the UK. 

• You connect through your own bank’s login 

• Buyline cannot see your login details 

• You remain in control at all times 

Your data is encrypted and only shared with your consent. 

No – it’s optional. 

If you prefer not to use Open Banking, you may be able to provide alternative documents (such as bank statements). However, this may take longer to process. 

When your application has been received, we will send you an email to confirm we’ve received it, explain next steps and to give you some important information about use of your personal data.

Once we have completed our checks, we will let you know if your application has been successful or not by emailing you. Sometimes, we may need additional information to help us to assess your loan application. A member of our Customer Service Team, or our Business Partner, will contact you if we require any extra information.

If your application is declined, we will write to you to let you know. We’ll also let the Business Partner know that your application has been unsuccessful so that they can contact you to discuss your options to pay for the goods or services.

If you’ve changed your mind, you can withdraw from your Credit Agreement within 14 days starting the day after you signed your agreement. To withdraw from your Credit Agreement, you can email us at hello@buyline.co.uk or write to us at:

Buyline Ltd,
B12 Elmbridge Court
Cheltenham Road East
Gloucester
Gloucestershire
GL3 1JZ

Telephone: (Relay UK 18001) 03330 230 134 (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs).

If you withdraw from your Credit Agreement and we have already paid the loan amount to the Business Partner, you will have to repay the amount of the loan within 30 days beginning with the day after the date you told us you want to withdraw from it. If you do not repay all amounts (including interest, if applicable) when they are due, the Credit Agreement will continue.

It’s important to understand that withdrawing from the loan does not cancel your purchase. You will need to make separate arrangements with our Business Partner (the supplier of the goods or services) or have another way to repay us if we have already paid the loan to the Business Partner.

Please contact our Business Partner for their Cancellation and Returns policy. Some products cannot be cancelled, for example, made-to-order or bespoke goods, so you should check this before you complete your purchase.

Before you get in touch with us, please contact the business you made your purchase from (our Business Partner) to give them a chance to sort things out for you. Explain to them what’s happened and what you would like them to do to put things right. 

If you remain unhappy with their response, please contact us and we’ll see how we can help.

Please contact the business you made your purchase from (our Business Partner) who will be able to help you.

If there is a change to your personal information, for example, you’ve moved to a new house, got married or changed your telephone number it is important that you tell us so that we can make sure our records are correct and up to date.

You can tell us about any changes by emailing us at hello@buyline.co.uk or by calling us on (Relay UK 18001) 03330 230 134.

All our Credit Agreements are sent electronically. Once you’ve e-signed, we’ll send a copy to your email address. However, in the event you are unable to locate your agreement please contact us for a copy.

Please contact the Business Partner direct who will be able to assist you.

Your payments will usually begin one month after your loan start date unless you have purchased your product or service with our unregulated loan (not available post 15th July 2026) in which case your first payment will be ten days after your loan start date. 

Your loan start date is triggered by one of several events which are set out in your Credit Agreement, for example, the date your goods were delivered to you, or the date your service was started. 

After your first payment, your loan repayments will be each month until you have repaid your loan. 

Details can be found in your Credit Agreement or the Welcome Letter we sent you when you signed your Credit Agreement.  

When you take out a Buyline loan, we will set up a Direct Debit to collect your payments on the same date each month.

If you would prefer to make your payments manually, you can set up a Standing Order with your bank. Alternatively, you can contact our Customer Service Team on 03330 230 134 to make a payment using a Debit Card.

Please note that we are unable to accept payments by Credit Card.

If you want to change your payment date, please contact us at hello@buyline.co.uk or by calling us on (Relay UK 18001) 03330 230 134. If a Direct Debit payment is due shortly, we may not be able to change your payment until after it is collected. However, we will explain this to you when you contact us.

Please note that we are unable to accept payments by Credit Card

You can make additional payments of up to £8,000 per year without incurring any changes.

You can reinstate your Direct Debit by contacting your bank directly and asking them to reinstate your Direct Debit for ‘Eazipay Ltd re Buyline Ltd’ or by calling us on (Relay UK 18001) 03330 230 134 to reinstate it for you.

If your payments are made by Direct Debit, you must telephone us on (Relay UK 18001) 03330 230 134 to provide your new bank details so that your repayments can continue to be taken without any disruption.

Please contact our Customer Services Team to find out the balance owed on your account. You can do this by emailing us at hello@buyline.co.uk or by calling us on (Relay UK 18001) 03330 230 134.

There is usually no penalty to repay your loan early. If your early settlement figure exceeds £8,000 there may be a penalty charge which is explained in your Credit Agreement.

You may be entitled to a rebate of interest if you repay your loan early, we will tell you whether you are due a rebate and the amount.

You can make additional payments at any time. Please contact us at hello@buyline.co.uk or by calling us on (Relay UK 18001) 03330 230 134 to make a card payment or for our bank details to make a payment by bank transfer.

If you are struggling to keep up with your repayments, please contact us as soon as possible at hello@buyline.co.uk or by calling us on (Relay UK 18001) 03330 230 134 so we can agree a way forward for you.

It is important to be open and honest about your financial situation so that we can agree an option that is right for you.

If you are experiencing financial difficulties or would like advice on managing debt problems, there are several free debt advice services you can contact:

• For debt advice throughout the UK – StepChange Debt Charity – www.stepchange.org – 0800 138 1111
• If you live in England, Wales or Scotland – National Debtline – www.nationaldebtline.co.uk – 0808 808 4000
• For easy to access money tools, information and advice visit Money Helper – www.moneyhelper.org.uk or telephone 0800 138 7777
• For advice and information on debt and other topics visit your local Citizens Advice or go to www.citizensadvice.org.uk
• If you live in Northern Ireland, phone 0800 915 4604, email advice@adviceni.net or visit www.adviceni.net for debt advice

If you can afford to make some of your repayments, even if it’s a smaller amount than usual, you should do so but please get in touch with us first, we’re here to help.

You should be aware that failing to make payments can also affect your credit rating and make it more difficult for you to obtain credit in future, as well as having serious consequences such as the possibility of legal proceedings.

If you are struggling to repay your loan it’s important to get in touch with us straight away. For more help and information if you are in this situation please look at our ‘What happens if I am unable to meet my repayments’ section above.

You can email us at hello@buyline.co.uk, or write to us at the address at the bottom of our website, to ask for copies of your personal data and for information on how we process it.

We may need to verify your identity to provide information to you and, if a third party is acting on your behalf, we may need to check you have given your consent to us disclosing this information to them.

Sometimes, we may release the information to you directly rather than your third party so as to give you the opportunity to choose what information you may share with them.

Please let us know, when contacting us, what personal data you require access to as it helps us to locate your data and process your request much sooner if you tell us exactly what information you need access to.

We take the security of your information seriously and we maintain appropriate safeguards to prevent the information you have provided from being accidentally lost, used, or accessed in an unauthorised way.

You can find out more about this by reading our privacy notice

We collect, process and store personal data for a variety of reasons. For more information about how and why we process your personal data please read our privacy notice.

We will only keep information about you for as long as we need to fulfil the purposes for which we are processing your information or as required by law. After that we will either delete or anonymise your data.

For more information about how long we keep your information, please read our privacy notice.

Please contact the Business Partner you made your purchase from who will be able to help you.

We do our best to always offer a great level of service. However, if we have not delivered the standard of service that you expect, please email us at hello@buyline.co.uk or write to us at:

Buyline Ltd,
B12 Elmbridge Court
Cheltenham Road East
Gloucester
Gloucestershire
GL3 1JZ

Telephone: (Relay UK 18001) 03330 230 134 (calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs).

Information about our complaint handling process can be found on our ‘How to Make a Complaint’ page.

If you need extra help, please let us know. We know life can change quickly, and sometimes customers need more support. 

This could include times when: 

• your financial situation changes 

• you are struggling with repayments 

• you need help understanding your agreement 

You do not have to deal with things on your own. If you tell us what you need, we will do our best to communicate clearly, treat you fairly, and support you in a way that works for you. 

Please contact us. We will listen, treat you with understanding and respect, and do our best to support you in a fair and practical way. 

Free independent debt advice 
These organisations are independent from Buyline and can offer free, confidential support if you are worried about money or struggling with repayments. Getting advice early can help you understand your options and avoid the situation getting worse. 

Urgent help: If you are in immediate financial difficulty or think you may miss a payment, please contact Buyline as soon as possible so we can discuss your options and the support available. 

MoneyHelper 
Phone: 0800 138 7777 
Webchat and WhatsApp support available. 
Typical opening hours: Monday to Friday, 9am to 5pm. 

StepChange Debt Charity 
Phone: 0800 138 1111 
Online debt advice available. 
Typical opening hours: Monday to Friday, 8am to 8pm, and Saturday, 9am to 2pm. 

Citizens Advice 
Phone (England): 0800 144 8848 
Phone (Wales – Advicelink Cymru): 0800 702 2020 
Phone (Scotland): 0800 028 1456 
Webchat available. 
Typical opening hours vary by service and location. 

National Debtline 
Phone: 0808 808 4000 
Webchat available. 
Typical opening hours: Monday to Friday, 9am to 8pm, and Saturday, 9:30am to 1pm. 

If you live in Wales, you can also contact Advicelink Cymru on 0800 702 2020. If you live in Scotland, you can contact the Citizens Advice Scotland helpline on 0800 028 1456 and you will be connected to your local bureau. 

Section 75 is a legal protection that may apply to some credit purchases. If it does, the lender can be responsible along with the supplier if something has gone wrong, such as goods not arriving, being faulty, or a service not being provided as agreed. 

Usually, yes, unless we tell you otherwise. You should keep making the repayments due under your agreement while the issue is being looked into. If payments are becoming difficult, please contact us as soon as possible. 

short summary of what has gone wrong. If you have supporting documents, such as invoices, emails, cancellation confirmations, or photos, please send those too. 

If your issue is about the goods or service, please contact the Business Partner first. If your issue is about your finance agreement, repayments, a claim, or a complaint about Buyline, please contact us directly.