Ive used Certegy a number of times, first to get a fridge and washing machine, engagment ring, pixi fotos, that sort of thing...
They just asked for my drivers licence and asked whether i was employed and what my pay day was and they take the amount out every f/n on my pay day. If you dont have the money there your account overdraws. Ive never been asked to show employment income or asked about other loans or financial info i may have. I will be putting a dryer and wedding rings on it soon.. you can only have one going at any one time. You NEVER pay interest with certegy even if your late because it direct debits your account, or credit card. I love it and it works very well in my budget to have it now and pay it off.