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- How do i buy from your website?
- Can you tell me about your Finance?
- Do you accept Credit Card payments? ... and is the payment process Secure?
- How do i buy from your website?
Firstly, BECOME A GEAR & gadget MEMBER. (see top left of the page)
Choose a USER NAME and PASSWORD, enter a few contact and delivery details, and you’re ready to go!
Now you can browse the site and place items of interest in your Shopping Cart by clicking either 'BUY NOW' beside the product, or ‘ADD TO CART’ at the bottom of the product’s page.
The Shopping Cart has a memory… so until you purchase them, or physically delete them, your chosen products will remain indefinitely in your Cart for future use.
Once you’re ready to buy the goods, click ‘CHECKOUT’ and you’ll be taken through the buying process.
Here you’ll be asked for your preferences on billing and delivery addresses, and asked your preferred payment method.
GEAR & gadget currently accepts payment by way of full deposit into our Bank Account, cash, cheque, Visa and MasterCard, or by using our Finance Service.
(Goods are delivered once funds have cleared in our account)
Once you’re through, click on ‘CONFIRM ORDER’, and you’re done! - Can you tell me about your Finance?
We can offer Finance via 'Finance Now Ltd' to our customers aged 18yrs and over. Finance can be applied for by an individual, or by a pair. All Finance is subject to standard lending criteria, and includes a normal credit worthiness check (in line with the Privacy Act 1993).
To apply for finance simply click on the "Finance Pre-Approval" button at the top right of the page to be taken to the Pre-Approval Screen. Here you can check if you're eligible for the finance you're considering. When completed you'll be given an approval sheet... please save / print this and give it to us when requesting finance on any of our products.
Alternately, you can arrange to visit us in Hamilton to run through the application. Email us to organise a meeting.
(Please note: To process Finance we must 'sight' your I.D. This means you'll either have to come to see us in Te-Rapa, Hamilton... or we can send you the relevant paperwork to have signed and witnessed before a J.P. (Justice of the Peace). As such, we'll outline below the process for both 'I.D.Present' and 'No I.D. Present' situations.).
I.D. Present (you come and see us)
When you call by have handy your details relating to your income and accomodation expenses, your current address (and in some cases your previous address), some identification (ie NZ drivers licence), any car registration plate details, and your work details.
We enter the relevant information into the system, sight your I.D., and within minutes will know whether or not your application has been approved, conditionally approved (meaning you'll need to present evidence of income and expenses via your most recent bank statement, or declined (at which time we can look into alternatives such as guarantors).
If you get the green light, we continue with the applicaton by entering next of kin and contact details, Printing off the key paperwork, filling out the Automatic Payment or Direct Debit form, asking for your autograph a few times... and then presenting you with your contract for finance. We send Finance Now the completed paperwork, and when they give us 'non-conditional' approval that the contract has been accepted, we deliver your products to you.
Remember that a red light is not necessarily the end of the road... your application can be reveiwed. Your application may be accepted if you place a larger deposit for example... or perhaps bring in a guarantor. We can make contact with the finance company to enquire about this... and will let you know. It takes 3 days before you can re-apply online... but in the mean time you can take the paper work to have a guarantor sign for you... ready to send into Finance Now for review should that be viable.
I.D. Not Present (over the phone application)
When you can't make it to Hamilton to see us we can file an application over the phone. First we run thru the initial application details (as per 'I.D. Present' scenario) to the point where we can see if your application has been conditionally approved or not.
If you get a green light, we continue with the next information fields... then print and send you the paperwork that requires a signature from you and from a J.P. (includes 3x Contract Forms, 1 x Direct Debit Form, and the Application Form outling your details). Once you have signed with the J.P. witness... you send the forms to Finance Now.
When Finance Now informs us that your application has been successful... we deliver you your products.
If you happen to be greeted with a Red Light... the same policy applies as per the 'I.D. Present' situation... we'll ask Finance Now as to your chances of approval with either a guarantor or increased deposit... and we'll mail you the form for a possible guarantor to fill in in the mean time. We'll be in touch asap to let you know the next move.
Please don't be fooled into thinking that this sounds like a lot of work... it's quite simple really. The finance facility can give you the chance to get out there riding sooner than you may have thought possible... so it's certainly worth the small bit of time it takes to run through it.
- Do you accept Credit Card payments? ... and is the payment process Secure?
Yes, and Yes.
We accept MasterCard and Visa payments via BUYPOINT, National Banks Secure Payment Facility.
This website is setup to process orders completely online... and the Credit Card payment process is a part of the buying procedure. Simply choose the 'VISA / MASTERCARD' option when asked your preferred payment method, and you'll be taken to BUYPOINT... the National Banks Secure Card Processing Facility. We never see your card details... so you have added confidence in making the payment this way.
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