Cash Concepts · Romford

Reserve it today. Pay over time.

Seen something you love in our store? Secure it with a small deposit, then make agreed instalments suited to your budget. There is no interest, no added cost and no credit check.
Ask about layby
Visit Romford
Layby is available by agreement with the store. Ask us to confirm the deposit, payment dates and full terms before you proceed.
0% APRNo interest or added cost
Small depositsecures the item
Flexible instalmentsagreed with the store
Price stays the sameno interest or added cost
✓ No credit check required✓ Item kept safely for you✓ Collect after the final payment✓ Local Romford team

Simple and straightforward

How our layby scheme works

Choose an item in store and agree a payment plan with our Romford team.

1

Choose your item

Find the item you want from our available store stock.

2

Pay a deposit

A small agreed deposit secures it and takes it off sale.

3

Make payments

Pay the agreed instalments on the dates set with the store.

4

Collect your item

Once every instalment is paid, the goods are yours to take away.

A simple example

A £60 gold chain

£60 total

The price you see is the price you pay.

Pay first£12

Deposit to secure the chain.

Then pay6 × £8

Six fortnightly instalments totalling £48.

FinallyCollect it

Take the chain once all payments are complete.

£12 deposit + £48 in instalments = £60 total · Representative APR 0%
Example for illustration. Your deposit and payment schedule will depend on the item and the arrangement agreed with the store.

Why use layby?

A manageable way to secure the item you want

No interest

There are no added costs. Your instalments add up to the original agreed price.

No credit check

The arrangement is based on a deposit and agreed payments, without a credit application.

Payments to suit your budget

Speak with the Romford team to agree a schedule before the layby begins.

Your item is secured

We hold the item for you while you keep up with the agreed payment plan.

Before you agree

Confirm your plan in store

  • The item price and deposit required
  • The amount and frequency of each instalment
  • The final payment date and collection arrangements
  • What happens if a payment is late or the layby is cancelled
  • Any other conditions that apply to your purchase

    • Good to know

    The goods stay with us

    Your chosen item is held by Cash Concepts while you make the agreed payments. You can collect it only after the balance has been paid in full.

    This page is a summary. The arrangement confirmed by the store contains the terms that apply to your layby.

    Ask for more information

    Arrange it in store

    Visit Cash Concepts Romford

    Bring the item details or visit to browse our latest stock and discuss an affordable payment schedule.

    Cash Concepts Romford

    22 High Street
    Romford, RM1 1HR
    At the bottom of Romford Market
    01708 727844
    Get directions
    WhatsApp Romford
    Layby questions

    Your questions answered

    Is any interest added?

    No. No interest or added cost is payable; the price agreed for the item is the total price you pay. Representative APR 0%.

    Will you carry out a credit check?

    No credit check is required for the layby scheme.

    Can I take the item home straight away?

    No. Cash Concepts keeps the item safely while you make your instalments. You can collect it after the full agreed price has been paid.

    How much deposit will I need?

    The deposit depends on the item and the arrangement agreed with the store. Ask the Romford team to confirm it before proceeding.

    How often do I make payments?

    Your schedule is agreed with the store. The example above uses fortnightly payments, but you should confirm the dates and amounts for your own purchase.

    What happens if I miss a payment or change my mind?

    Contact the Romford store as soon as possible. Ask us to explain the relevant late-payment and cancellation terms before you enter the arrangement.

    Seen something you do not want to miss?

    Ask our Romford team whether you can secure it with a deposit and spread the remaining cost.
    Ask about layby on WhatsAppCall 01708 727844