Hire Purchase Policy

Last Updated: 1 August 2026

At Endtoend.mu, we offer Hire Purchase options on eligible products through our approved finance partners:

• Rogers Capital

• CIM Finance

This policy explains how Hire Purchase orders placed with Endtoend are processed, priced, approved, fulfilled, delivered and supported.

Hire Purchase is a credit facility provided by the selected finance provider. Endtoend acts as the merchant supplying the product and facilitating the purchase.

All Hire Purchase applications are subject to the approval, terms and conditions of the selected finance provider.

1. How does Hire Purchase work?

Customers can purchase eligible products through Hire Purchase by selecting the available Hire Purchase option during checkout or by requesting assistance from our team.

The general process is:

1. Select the product you wish to purchase on Endtoend.mu.

2. Choose Hire Purchase as your payment method.

3. Place your order.

4. Our team will contact you to proceed with your application.

5. Complete the required application and provide any documents requested.

6. The selected finance provider will assess your application.

7. If approved, complete any required agreement, deposit, service charge or other applicable formalities.

8. Once Endtoend receives the required confirmation from the finance provider, your order will be processed for fulfilment.

9. Your order will then be prepared for delivery or collection.

Placing a Hire Purchase order does not mean that your credit application has been approved.

2. Who provides the financing?

Hire Purchase facilities are currently available through Rogers Capital and CIM Finance.

The credit facility is provided by the selected finance provider and not by End to End Solution Ltd.

Endtoend is responsible for the sale and fulfilment of the product, while the finance provider is responsible for matters relating to the credit facility, including its:

• Application process.

• Credit assessment.

• Approval or rejection.

• Financing terms.

• Repayment period.

• Instalments.

• Interest and finance charges, where applicable.

• Credit administration.

3. Are all applications approved?

No.

All Hire Purchase applications are subject to approval by the selected finance provider.

Endtoend cannot guarantee that an application will be approved.

The finance provider may assess factors such as your identity, income, employment, existing financial commitments, affordability, credit history and any other information required under its credit assessment process.

Approval or rejection of an application remains at the discretion of the finance provider, subject to its policies and applicable law.

4. What documents are required?

The documents required will depend on the selected finance provider and the customer's application.

Customers may be required to provide identification, proof of address, proof of income, employment information, bank information or other supporting documents.

Requirements may vary depending on the:

• Finance provider.

• Customer profile.

• Purchase amount.

• Product.

• Financing arrangement.

Customers are responsible for ensuring that all information and documents provided are accurate, complete and genuine.

Incomplete or incorrect information may delay the application or result in it being declined.

5. Cash Price vs Credit Price

Credit Prices may differ from Cash Prices.

Prices displayed on Endtoend.mu may represent our cash, online or promotional prices and may not necessarily represent the final price applicable when purchasing through Hire Purchase.

The applicable Hire Purchase price will be communicated to the customer before completion of the transaction.

Depending on the transaction, the Hire Purchase arrangement may include:

• A different Credit Price.

• A deposit.

• A service charge.

• Interest or financing charges.

• Administrative or other charges imposed by the finance provider.

• Other applicable fees or charges.

A service charge may be applicable to Hire Purchase transactions.

Where applicable, the service charge and relevant pricing will be communicated to the customer before the transaction is completed.

Customers should review the complete Credit Price and financing terms before proceeding.

6. Promotions and Hire Purchase

Promotional prices, online prices, discount codes, vouchers, coupons, bundles and other special offers advertised by Endtoend may be based on Cash Prices.

These offers do not automatically apply to Hire Purchase transactions unless expressly stated.

A product advertised at a promotional Cash Price may therefore have a different Credit Price when purchased through Hire Purchase.

Where applicable, our team will communicate the relevant Hire Purchase price before the transaction is completed.

7. Deposits and Service Charges

Depending on the transaction and finance provider, customers may be required to pay a:

• Deposit.

• Service charge.

• Initial payment.

• Finance-related fee or charge.

A service charge may be applicable and may vary depending on the transaction.

Any applicable amount will be communicated before completion of the purchase.

Customers should ensure they understand the deposit, service charge, Credit Price, instalments and total amount payable before entering into the financing agreement.

8. Product Availability

Submitting a Hire Purchase order or application does not reserve or guarantee the availability of a product unless specifically confirmed by Endtoend.

Product availability may change while a finance application is being processed.

If a product becomes unavailable, Endtoend may:

• Offer a suitable alternative.

• Advise when the product is expected to become available.

• Amend the order with the customer's agreement.

• Cancel the affected order where appropriate.

If financing has already been approved, any change to the product or purchase amount may require additional approval from the finance provider.

9. When is my order confirmed?

Submitting a Hire Purchase application does not mean that the order is ready for fulfilment.

Before Endtoend can process the order for delivery or collection, we may require confirmation that:

• The Hire Purchase application has been approved.

• All required documents have been submitted.

• The finance agreement has been completed.

• Any applicable deposit or service charge has been paid.

• All required formalities have been completed.

• Endtoend has received the necessary confirmation or authorisation from the finance provider.

• The product is available for fulfilment.

Once these requirements have been completed, Endtoend will process the order for delivery or collection.

10. How long does Hire Purchase approval take?

Approval times depend on the selected finance provider and the individual application.

Endtoend cannot guarantee how long a finance provider will take to assess or approve an application.

Applications may take longer where additional information, documentation or verification is required.

Customers should respond promptly to requests for information to avoid unnecessary delays.

11. Does 48-Hour Delivery apply to Hire Purchase?

Our standard 48 business hour delivery target does not apply while a Hire Purchase application is awaiting approval or completion.

The delivery process begins only once:

• The application has been approved.

• All required Hire Purchase formalities have been completed.

• Endtoend has received the necessary confirmation to fulfil the order.

• The product is available for dispatch.

Once your order is approved and confirmed for fulfilment, our standard delivery process applies to eligible in-stock products.

Delivery timeframes remain estimates and are subject to our Delivery & Collection Policy.

12. Can I collect a Hire Purchase order?

Yes, where In-Store Pickup is available for the applicable product.

Please wait until Endtoend confirms that your order is ready for collection before visiting the collection location.

You may be required to provide:

• Your order confirmation.

• Valid government-issued identification.

• Finance documentation or confirmation.

• Proof of payment, where applicable.

Additional verification may be required before the goods can be released.

13. What happens if my application is declined?

If your application is declined, Endtoend may offer you the option to:

• Use another available payment method.

• Apply through another available finance provider, where applicable.

• Select another product.

• Cancel the order.

Approval by one finance provider does not guarantee approval by another.

Endtoend is not responsible for a finance provider's decision to approve or decline a credit application.

14. Instalments and Repayments

Once a Hire Purchase or credit agreement has been entered into, your repayment obligations are governed by your agreement with the finance provider.

This may include:

• Monthly instalments.

• Repayment dates.

• Repayment methods.

• Interest or finance charges.

• Late payment fees.

• Outstanding balances.

• Early settlement.

• Arrears or defaults.

• Recovery procedures.

Customers should contact the applicable finance provider directly regarding repayments, balances or their existing finance agreement.

Unless expressly stated otherwise, Endtoend does not manage or collect your regular Hire Purchase instalments.

15. Can I cancel a Hire Purchase order?

If you wish to cancel your order before your Hire Purchase arrangement has been completed, please contact Endtoend as soon as possible.

We will make reasonable efforts to assist with the cancellation.

If your financing arrangement has already been approved, signed, activated or funded, cancellation may be subject to:

• The finance provider's terms and conditions.

• The status of the finance agreement.

• The status of the order.

• Endtoend's applicable policies.

• Applicable Mauritian law.

Customers should carefully review their financing agreement before accepting it.

16. Returns and Exchanges

Products purchased through Hire Purchase are subject to the same Returns, Refunds, Warranty & Repairs Policy applicable to other Endtoend purchases.

Returns are not accepted simply because of:

• Change of mind.

• Incorrect product selection by the customer.

• Compatibility issues where specifications were clearly stated.

This is subject to any rights available to customers under applicable Mauritian law.

Where an approved return or exchange affects an active Hire Purchase agreement, Endtoend may need to coordinate with the applicable finance provider before the transaction can be completed.

Customers should continue to comply with their repayment obligations unless the finance provider confirms otherwise.

17. What if my product is faulty, damaged or incorrect?

Please inspect your product immediately upon delivery or collection.

If your product:

• Is faulty or defective upon arrival.

• Was damaged during delivery.

• Is different from the product you ordered.

you must notify Endtoend within 3 calendar days of delivery or collection.

Please keep the original packaging, accessories, manuals, cables, chargers, bundled items and other supplied items.

The claim will be handled in accordance with our Returns, Refunds, Warranty & Repairs Policy.

18. Does my product still have a warranty?

Yes.

Purchasing through Hire Purchase does not change the applicable product warranty.

Most products sold by Endtoend are covered by a manufacturer's or supplier's warranty.

The applicable warranty period is displayed on the respective product page.

Some products may be marked No Warranty but remain subject to Endtoend's applicable 3-Day DOA Policy.

Warranty claims are handled in accordance with our Returns, Refunds, Warranty & Repairs Policy.

19. How are refunds handled for Hire Purchase orders?

Refunds involving Hire Purchase may require coordination between Endtoend and the applicable finance provider.

Where a return or refund has been approved, the settlement process will depend on factors including:

• Whether the finance agreement has already been activated.

• Whether the finance provider has already funded the purchase.

• Payments made by the customer.

• Deposits or service charges paid.

• Amounts financed.

• The applicable finance provider's procedures.

Where the purchase has been financed, an approved refund does not necessarily mean that the financed amount will be refunded directly to the customer.

Amounts may need to be credited, reversed or settled with the finance provider.

Customers must continue to comply with their financing agreement until advised otherwise by the applicable finance provider.

20. Customer Responsibilities

When purchasing through Hire Purchase, customers are responsible for:

• Providing accurate and complete information.

• Providing genuine documentation.

• Reviewing the applicable Credit Price.

• Understanding any applicable deposit or service charge.

• Reviewing the finance provider's terms and conditions.

• Understanding the instalment amount and repayment period.

• Understanding the total amount payable.

• Completing all required documentation.

• Making repayments according to the financing agreement.

• Keeping their contact information accurate and up to date.

Customers should not enter into a financing agreement unless they understand and accept its terms.

21. Fraud Prevention and Verification

Endtoend and/or the applicable finance provider may conduct identity, credit, payment and fraud-prevention checks.

Additional information or documentation may be requested where reasonably required.

Endtoend reserves the right to refuse, suspend or cancel an order where we reasonably suspect:

• Fraudulent activity.

• False or altered documentation.

• Identity misuse.

• Misrepresentation.

• Abuse of the Hire Purchase process.

• Other suspicious activity.

Where appropriate, such matters may also be reported to the applicable finance provider or relevant authorities.

22. Personal Information and Credit Assessment

By applying for Hire Purchase, you acknowledge that personal information may need to be collected, processed and shared with the selected finance provider for purposes including:

• Processing your application.

• Verifying your identity.

• Assessing creditworthiness.

• Conducting affordability or credit checks.

• Preventing fraud.

• Administering the financing arrangement.

Personal information will be handled in accordance with applicable data protection legislation and the respective privacy policies of Endtoend and the selected finance provider.

23. Endtoend and the Finance Provider

It is important to understand the respective roles of Endtoend and the finance provider.

Endtoend is the merchant. We are responsible for the product, order fulfilment, delivery and applicable after-sales support.

The finance provider provides the credit facility. It is responsible for the customer's financing arrangement.

Unless expressly stated otherwise, Endtoend does not determine:

• Whether your application is approved.

• Your credit limit.

• Your repayment period.

• Your instalment amount.

• Interest or financing charges.

• Finance-provider fees.

• Credit assessment criteria.

• Late-payment charges.

• Arrears or default procedures.

These matters are governed by your agreement with the selected finance provider.

24. Changes to this Policy

Endtoend reserves the right to amend or update this Hire Purchase Policy from time to time to reflect changes to our services, finance partners, business operations or applicable laws and regulations.

The latest version will be published on Endtoend.mu and becomes effective upon publication.

Changes to this policy do not modify an existing credit agreement between a customer and a finance provider.

25. Contact Us

For questions about an Endtoend order, product, delivery, collection, return or warranty, please contact:

End to End Solution Ltd
12th Floor, Hennessy Court
Pope Hennessy Street
Port Louis, Mauritius

BRN: C17151337
VAT: 27564079

Customer Care: +230 212 2400
WhatsApp: +230 5943 2400
Email: care@endtoend.mu

For questions concerning credit approval, instalments, repayments, outstanding balances, early settlement, arrears or an existing finance agreement, please contact the applicable finance provider.

Hire Purchase Made HassleFree

Choose your product on Endtoend.mu and select Hire Purchase where available. We'll help facilitate the application and take care of your order once financing is approved.

Choose. Apply. Get Approved. We Deliver.

All Hire Purchase applications are subject to the selected finance provider's approval and terms and conditions. Credit Prices may differ from Cash Prices and promotional prices. A service charge may be applicable.