An easy and simple way of spreading the cost of your purchase over 36 months. After making an initial 5% deposit of £21.25, you will then make 36 equal monthly payments of £14.66 at 19.9% APR. For the Acer PD115 Projector that you have selected, this would work out as:

APR	19.9%
Cost of Product	£414.97
Typical Delivery Charge	£9.95
Total Normal Cash Price	£424.92
Initial 5% deposit	£21.25
Administration Charges	£25.00
Remainder used for Loan	£403.67
Charge for Credit	£124.10
Balance Payable	£527.77
Total amount payable	£549.02
36 monthly repayments of	£14.66

Buy Now and Pay in 9 months time

Provided you pay the final balance in full before the 9 month buy-now-pay-later period expires, you will pay no interest and the credit agreement will be finalised. So, with the exception of a 5% deposit, you can purchase this Acer PD115 Projector now and make no further payments for 9 months.

However, should you choose not to settle the outstanding balance in full before the 9 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at a 29.8% APR over a remaining period of 39 months. For the Acer PD115 Projector that you have selected, this would work out as:

APR	29.8%
Cost of Product	£414.97
Typical Delivery Charge	£9.95
Total Normal Cash Price	£424.92
Initial 5% deposit	£21.25
Administration Charges	£35.00
Remainder used for Loan	£403.67
Charge for Credit	£316.42
Balance Payable	£720.09
Total amount payable	£741.34
39 monthly repayments of	£18.46

Buy Now and Pay in 12 months time

Provided you pay the final balance in full before the 12 month buy-now-pay-later period expires, you will pay no interest and the credit agreement will be finalised. So, with the exception of a 5% deposit, you can purchase this Acer PD115 Projector now and make no further payments for 12 months.

However, should you choose not to settle the outstanding balance in full before the 12 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at a 29.8% APR over a remaining period of 36 months. For the Acer PD115 Projector that you have selected, this would work out as:

APR	29.8%
Cost of Product	£414.97
Typical Delivery Charge	£9.95
Total Normal Cash Price	£424.92
Initial 5% deposit	£21.25
Administration Charges	£45.00
Remainder used for Loan	£403.67
Charge for Credit	£344.13
Balance Payable	£747.80
Total amount payable	£769.05
36 monthly repayments of	£20.77

*Note: When calculating the 5% deposit, the amount you pay may be slightly more than 5% as the figure is adjusted to give rounded loan amounts