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Quick Credit


What is Harvey Norman QuickCredit?

We know that each customer is unique and everyone has different needs, so we also understand that some of our customers would like a choice of payment options. For this reason Harvey Norman has partnered with Creation Consumer Finance, trading as Creation, to offer you a range of payment options to make finance easier. Harvey Norman QuickCredit allows you to select your goods and have them delivered within 3 working days subject to availability. This easy finance package offers you an opportunity to divide your payments over a set period for easy management.

Do I need a deposit?

Yes. A small deposit is required to apply for QuickCredit. 10% of the overall purchase amount is requested. Your credit loan will be based on purchase amount minus the 10% deposit amount. i.e. Total purchase amount €1000, 10% deposit amount is €100, Total credit application amount is €900. Your deposit is payable by a Chip & Pin Debit or Credit card in your name.

Up to 36 Months Interest Free on Furniture and Bedding only.

QuickCredit Up to 36 Months Interest Free allows you to take your Furniture or Bedding home today and divide your payments over a thirty six month easy payment plan at no extra cost. An early payment settlement is available with no extra penalties once inside the 36 month period. This product is great for those who want to take advantage of interest free credit.

  • €400.00 - €1,500 : 10 months interest free credit
  • €1,500 - €2,000 : 24 months interest free credit
  • €2,000 - upwards : 36 months interest free credit

Example: For a product with a cash price of €2000, a 10% deposit is required. Your new credit amount will be €1800. Your 36 monthly repayments will be €50 each with a total amount payable of €1800 with 0% APR Representative**

Is QuickCredit up to 36 Months Interest Free the right option for me?

If you can afford monthly repayments and wish to save on interest and spread your costs over 36 months, this is the best product for you. You will have no extra interest costs and the flexibility to make larger repayments than agreed without penalty.

How does it work?

It’s a very quick process! Simply bring in the correct documentation (see below for details), select your goods, have access to your 10% deposit and one of our friendly staff will take you through the online application form. After completion, you should generally know within 15 mins if your application has been approved. If so, we will arrange delivery of your purchase to your home 3 working days after your application has been approved.

What is the interest rate?

It depends on the QuickCredit package you choose. To get the lowest possible monthly repayment, we apply a low rate of interest. Our standard rate of interest is 22.99% APR representative, which is competitive compared to the cost of most credit cards. If however, you are after Interest free, you can make your payments over 10 months with 0% APR representative. Decide what payment plan suits you and your budget. Low repayments or low interest, your choice!

What about the other costs of credIt?

There are no hidden costs to our credit. We will facilitate your QuickCredit with Creation and your repayments are based only on the cost of the goods plus any interest. There are no application or administration fees for you to worry about.

Can I pay off my loan early?

The answer is yes. Creation will be happy to arrange an early settlement. The earlier you pay off your loan, the more interest you will save. You have full flexibility to make smart financial decisions.

How do I repay my QuickCredit?

Easy! Direct Debit means that there is no extra hassle. Part of the application process requires you to provide your bank account details and complete a direct debit form which will allow your payments to be made automatically from your chosen account each month.


Who can apply for QuickCredit

To apply for QuickCredit at Harvey Norman you must meet the following criteria:


  • You are between 18 and 80 years of age.
  • You have been a resident of Ireland or the UK for a minimum of two years.
  • You can supply a fixed land line Telephone Number. (Home, Work, or Relative) Please be aware that a mobile number alone is not sufficient.
  • You have an Irish bank account that supports Direct Debits.
  • You have a Chip & Pin Credit or Debit card in your name to provide a 10% deposit.
  • You have been a resident of Ireland or the UK for a minimum of two years.
  • You have proof of bank details showing your name, sort code and account number. (Bank statement, Cheque book or Bankers card).
  • You have a regular income: Full Time / Part Time Employed, Self Employed, Retired or in receipt of Disability Allowance. If you are a student with Part Time Employment, a minimum of 16 hours per week is required.
  • You have an official form of photographic Identification (current licence or passport) and an original Proof of Address (such as a utility bill) dated within the last 3 months.

What do I need to bring with me?

To apply for QuickCredit you must bring the following documents to the store:


  • Current Passport or driving licence*
  • Proof of current address dated in last three months (eg. Utility bill)* If you have not lived at your current address for at least 3 years, you will need to bring original proof of your previous address
  • Current Irish bank Account statement and details (A/C no. & sort Code)*
  • Initial 10% deposit payable by Chip and Pin card in your name.
*Original documents only, no photo copies will be accepted.

Will I Get Approved?

Creation is the finance provider and makes the final decision based on information from the Irish Credit Bureau (ICB). This is not a decision for Harvey Norman. You must have the documents outlined above and you must meet the previous listed terms. If you have been approved for Credit in Ireland or the UK in the last 3 years and you have a positive credit history using any other form of Irish credit (credit card, bank loan, mortgage, or car loan) your chances of approval will increase. There is however no guarantee of approval and in the unlikely event that you are declined we can provide you with an extra information leaflet and contact details for the ICB. For privacy reasons, Harvey Norman are not made aware of the reason for a finance decline and therefore will be unable to discuss this with you. Creation can advise you further on this matter.

The finance offers and calculation’s above are only available in Harvey Norman Stores in the Republic of Ireland.

Important / Regulatory notice: **Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to those under 18 or over 80 years at time of application. Minimum purchase of €400 and 10% deposit applies. Finance only applies to normal ticketed pricing or as advertised, no further discounts available. Please be aware that certain products will not have immediate delivery due to availability. The finance offers and calculations in this leaflet are only available in Harvey Norman stores in the Republic of Ireland. Credit is provided by Creation Consumer Finance Ltd., 6th Floor, Royston House, 24 Upper Queen Street, Belfast, BT1 6FD and are Registered in North Ireland No: NI32565 regulated by the Financial Conduct Authority (FCA), in respect of insurance mediation only. Harvey Norman strongly recommends that before purchasing this product that you read the Important Information on your Creation Consumer Finance Contract

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