Question - If ST finance is declined...

If the finance on my ST gets declined, what happens then?

Its never been as issue before, but Ive had a bit of an iffy year money-wise. and just wondering what would happen if my ST finance got declined, & if so. would I get a new deadline to pay in full?

do you have two credit cards, if you do pay with one and just before the 56 day free period is up, do a balance transfer to the other card with 6 months interest free or whatever one of your cards offer, you have to pay a balance transfer fee but it is still cheaper than the setup fee you pay to the finance company which is £40 my fee was £17

Just email them back and tell them you've had one previously with them and zebra finance and they'll reconsider

do you have two credit cards, if you do pay with one and just before the 56 day free period is up, do a balance transfer to the other card with 6 months interest free or whatever one of your cards offer, you have to pay a balance transfer fee but it is still cheaper than the setup fee you pay to the finance company which is £40 my fee was £17

That's a good point. Check out the credit card deals on offer using a comparison website. The interest free deals are often a lot better than ST Finance. I used Tesco and got Interest free period of two years at the time (a little while ago now, but there are always offers). They also give a response pretty quickly, so worth a try. Good luck.