Ease the cost of your course with our customised payment plans. We have a range of flexible solutions so you can enjoy the convenience of spreading the cost through affordable monthly payments that suit your budget.
The way you pay for your course is flexible. We believe that your personal circumstances or finances should never get in the way of your education and shaping your future.
At Open Study College, we help you choose the best payment option to suit you. You can pay for your course upfront or spread the cost across flexible payment terms. Whichever option you choose, please do make sure it's the right one for you and your personal circumstances.
You can also pay for your course through Klarna. Simply select Klarna at checkout and you'll be given options. You can either delay paying the cost of your course for 30 days, or, spread the cost of your course across three payments. Both of these options are interest free, if you pay on time. To pay with Klarna you need a UK bank account, you must be 18 years of age or over, and have a UK residential address. For more details, visit Klarna's terms and conditions here.
To Pay in 3 with PayPal, select PayPal as your payment method at checkout and we’ll redirect you to PayPal’s website. You’ll need to complete a short registration form if you are a new PayPal customer. This will include providing PayPal with some details including your name, date of birth, address, e-mail and your debit or credit card details. You will also need to read and accept PayPal’s terms and conditions, in order to complete your order. If you are an existing PayPal customer, you just need to select and log in to your PayPal account and accept PayPal’s terms and conditions to complete your order. You will receive an instant decision after some initial checks by PayPal, confirming if you are eligible to use ‘Pay In 3’ as a payment method.
If approved, payment for your item(s) will be taken in three equal interest-free* instalments. You’ll be required to make the first instalment when placing your order. The remaining balance is split into two equal payments that are automatically deducted from your PayPal account over the next two months on the same day of the month as the date of purchase (unless your payment is due on a date which doesn’t exist in that month, in which case the payment will be taken on the last day of that month). The amount owed will be adjusted for any returns. You can log in to your PayPal account, at any time to see the status of your payments.
*Late payments
If you do not make a payment in full by the due date, PayPal may report your failure to pay to credit reference agencies, which could affect your credit rating and make it more difficult for you to obtain credit in future. If you are experiencing financial difficulties, please contact PayPal. For more details, visit PayPal's website here.
We understand that sometimes paying a lump sum of money can be difficult, especially if you are on a tight budget. We have teamed up with our finance partner, Novuna, to offer simple payment plans to make paying for your course much easier.
You can spread the cost of your course by choosing a finance term up to 48 months, with a low deposit!
Just select Novuna as the payment option on the payment page of the checkout. On our handy Novuna payment calculator page, you will be able to choose how much deposit you would like to pay today, with 5% deposit option available.
You can also then select an Interest-Free option, allowing you to spread the cost over 12 monthly payments at no extra charge. Please note, the minimum loan amount is £300, and the maximum loan amount is £10,000.
Alternatively, if you want to spread the cost over a longer period, you can select the Interest-Bearing option and spread the cost of your course for up to 48 months at a low 17.9% APR.
Interest Free representative example:
Representative Example:
Cash price of goods: £1,000
Deposit or advance payment: 5%
Representative APR: 0%
Term in months: 12 months
Monthly instalment: £83.34
Total amount payable: £1000
Interest Bearing representative example:
Representative Example:
Cash price of goods: £1,000
Deposit or advance payment: 5%
Representative APR: 17.90%
Term in months: 48 months
Monthly instalment: £28.65
Total amount payable: £1375.20
Check if you are eligible for Novuna finance options:
Don’t think you’ll qualify? Don't worry. We have alternative payment options that may be more suitable to your circumstances. Just give our team of friendly education specialists a call on 0121 329 4656 or book a call back using the form on this page. They will happily discuss your options and arrange a payment plan to suit you.
Just select the finance option on the checkout page.
To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.
Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.
Your monthly repayments will begin one month after your purchase has been delivered. For Buy Now Pay Later agreements the monthly repayments will start 12 months after the agreement has been signed.
No. There are no arrangement fees or hidden extras.
Applying for online finance couldn't be easier or more convenient. When you enrol online with Open Study College, you have the choice of applying for finance by adding your course to the basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery. If your application is referred, Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.
Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the finance agreement Open Study College will be notified and you need do nothing more.
If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.
Note that your enrolment is not complete until your completed and signed agreement is returned and received by Novuna Personal Finance. Delivery of your course will follow soon after your agreement has been returned and received.
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:
If your application is not successful, we have other options available to help spread the cost of your course. Just call one of our friendly advisers on 0121 329 4658 and they can talk you through your options. If you would like to re-apply for Novuna finance, we suggest that you leave at least 6 months between applications. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down.
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