Pay over 36, 24 or 12 Months
  Low Interest Rates
  No hidden fees or charges
  Only 10% deposit required
Finance Step 1

Add your product(s) to the basket.

Finance Step 2

Choose Finance at checkout and follow the online application process.

Finance Step 3

If approved, sit back and wait for your delivery.

What do I need to apply?

To apply for finance you must meet the following criteria:

  • You are over 18 and employed at least 16 hours per week
  • You have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years
  • Applications from students (unless employed at least 16 hours per week), unemployed and unemployed single house persons will not be considered.

Terms & Conditions

  1. Consumer finance on Utopia Computers is organised and administered jointly by Utopia Computers Limited, Pay4Later and Omni Capital Retail Finance Limited.
  2. Finance packages are applicable on any Utopia Computers bespoke computers over £299.95 including VAT.
  3. All offers of finance are subject to acceptance by Omni Capital Retail Finance. Utopia Computers Limited accepts no liability in relation to the credit analysis and resulting contractual obligations. Please direct all enquiries in writing to: Omni Capital Retail Finance Limited Oak House, Reeds Cresent, Watford, Hertfordshire, WD24 4QP.
  4. Please keep a copy of the Terms and Conditions as well as your invoice for your records. We advise applicants to keep the documents relating to the financing application.
  5. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
  6. Utopia Computers Limited reserves the right to change these Terms and Conditions at any time.
  7. Utopia Computers is a trading name of Utopia Computers Limited, a company registered in Scotland, SC 210 126. Registered Office: Utopia Computers Limited, 29-31 High Glencairn Street, Kilmarnock, Ayrshire, Scotland, KA1 4AE. Utopia Computers acts as a credit broker and only offers credit products from Omni Capital Retail Finance. Utopia Computers Limited, Pay4Later and Omni Capital Retail Finance Limited are authorised and regulated by the Financial Conduct Authority. Credit provided subject to age and status.