Bull Terrier Dog Items
11 products
11 products
Sale
Quick view
Bull Terrier Dog FleeceThrow Rug Pink
Regular price $19.95
Tax included.
Bull Terrier Dog Fleece Rug
Gorgeous Thick Quality Throw Rug
available in Pink
105cm x 70cm
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Keyring
Regular price $9.95
Tax included.
2 Bull Terriers on the same Keyring
Keying measures 11cm
Head measures 2.5cm
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Necklace
Regular price $20.00
Tax included.
Necklace
silver plate
approx. measurements
Bullie Head is 2.7cm high and 2cm wide
silver chain measuring 44cm
Comes in Gift Box
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Scarf
Regular price $34.95
Tax included.
Bull Terrier Dog Scarf
available in Beige, (darker than picture) Blue or Grey
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Thongs
Regular price $25.00
Tax included.
Bull Terrier Dog Thongs
cute Apricot Thongs covered in Bullies
available in Ladies Size 6 & 8
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Tote Bag
Regular price $21.95 Sale price $17.95 Save 18%
Tax included.
Bull Terrier Dog Tote Bag
colourful Tote measuring 42cm high ( + 26cm Handles) 34cm wide
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Wallet
Regular price $29.95
Tax included.
Bull Terrier Dog Wallet
Wallet covered in Bullies
20cm x 11cm
available in Black,Pink,Mustard &,Red,
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Wallet
Regular price $29.95
Tax included.
Bull Terrier Dog Wallet
Wallet covered in White Bullies
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Dog Charm Clip
Regular price $4.95
Tax included.
Bull Terrier Dog Charm Clip
approx. 2.5cm
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.
Bull Terrier Wrap Ring
Regular price $20.00
Tax included.
Bull Terrier Wrap Ring
Free Size Ring to fit most Finger sizes
comes in Gift Box
Australian Postage Rates
- All postage is calculated at checkout and sent via Australia Post.
- Standard Small $10.99
- Standard Medium $14.99
- Standard L $18.99
- Standard XL $22.99
- There are postage costs for bulky items calculated at checkout.
- Express is calculated at Checkout
- Saddlepads will now be sent folded due to rising freight costs.
- International Postage Rates
- We offer competitive discounted rates to all International countries.
- Please make sure for any International order, you leave your email and phone number so that we can place these on your shipping label may any problems arise.
- International customers, our freight price does not included any customs or duty you may be charged once the parcel hits your country.
Countries we ship to;
- Australia
- New Zealand
- UK/Ireland
- USA/Canada
- France
- Germany
- Italy
- Netherlands
- Norway
- Spain
- Sweden
- Switzerland
- Denmark
- Belgium
Urban Horsewear is based in Tasmania, Australia.
Preorders
Any item that are available on our website under preorder will also show an estimated shipping time. If you order a preorder item and an in-stock item, the order will be sent as one parcel when the preorder item has arrived. If you wise to receive the in stock item first, please place separate orders.
Returns
Urban Horsewear does not return items for change of mind. We do offer store credits that have a limit of 1 year to be used.
Urban Horsewear does offer exchanges if the incorrect size was purchased, but we cannot guarantee stock levels if the item was purchased with a discount.
The customer is responsible for postage costs for the item to be returned to Urban Horsewear and resent to the customer.
Urban Horsewear will not refund or exchange if the product has general wear or tear.
Urban Horsewear will offer a full refund, repair or exchange on any faulty items, to be decided by the Urban Horsewear team which option is the most suitable.
Items not returnable
- All Tall Boots are non refundable, so please ensure that you measure your legs correctly against the measurements provided or ask us via email or FB. Made to measure Tall Boots are non refundable.
- Discounted sale items. This includes any items used with a discount code or already marked down.
How It Works
Select Afterpay at checkout
Afterpay is fully integrated with Urban Horsewear's checkout. All you need to do is choose Afterpay as your payment option when you’re ready to buy.
Choose how you want to pay your instalments
Afterpay splits your payments over four equal instalments due every fortnight. Nominate the debit card or credit card you want to use and we’ll schedule automatic payments for you.
Get approved instantly and securely
No long forms or detailed personal information. Afterpay simply uses your nominated bank card to process your application on the spot.