Finance Options
We have a range of finance options available to help make your home improvement dreams a reality today.
If you are paying from your own funds by cheque, debit card, bank transfer or cash. Or if you are arranging your own funding via a loan or remortgage. In which case you would not benefit from the extra protection provided under The Consumer Credit Act 1974.
Representative Example
Example purchase price of: £3,000.00
Deposit with Order: £600.00 (20%)
Balance as per our T&Cs: £2,400.00
24 Months Interest Free Credit
50% Deposit + Interest Free Repayments – Orders up to £4,999
This is simply your purchase price less the deposit, divided by the number of repayments, with no interest or fees charged. 50% deposit required for our 24 month term. You also benefit from the extra protection provided under the Consumer Credit Act 1974.
Representative Example
Cash Price: £5,000.00
Deposit: £2,500.00
Amount Of Credit: £2,500.00
Months: 24
Interest Rate: 0%
APR: 0%
24 Monthly Payments Of £104.17
Total Amount Payable: £5,000.00
36 Months Interest Free Credit
50% Deposit + Interest Free Repayments – Orders over £5,000
This is simply your purchase price less the deposit, divided by the number of repayments, with no interest or fees charged. 50% deposit required for our 36 month term. You also benefit from the extra protection provided under the Consumer Credit Act 1974.
Representative Example
Cash Price: £7,500.00
Deposit: £3,750.00
Amount Of Credit: £3,750.00
Months: 36
Interest Rate: 0%
APR: 0%
36 Monthly Payments Of £104.16
Total Amount Payable: £7,500.00
20% Deposit + Interest Free Repayments – Orders over £5,000
This is simply your purchase price less the deposit, divided by the number of repayments, with no interest or fees charged. 20% deposit required for our 60 month term. You also benefit from the extra protection provided under the Consumer Credit Act 1974.
Representative Example
Cash price: £10,000.00
Deposit: £2,000.00
Amount Of Credit: £8,000.00
Months: 60
Interest Rate: 0%
APR: 0%
60 Monthly Payments Of £133.33
Total Amount Payable: £11,000.00
6 Months Buy Now Pay Later
Nothing to pay for 6 months – 9.9% APR representative
If settled in full within the 6 month deferral period then there is no interest to pay, however a £29 settlement fee will apply. This means that you would pay the amount of credit plus the administration fee. If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period.
Representative Example
Cash Price: £5,000.00
Deposit: £0
Amount Of Credit: £5,000.00
Interest Rate % (Fixed p.a.): 9.9%
Representative % APR: 9.9%
Duration (including 6 months deferral period): 126 months
120 Monthly Payments Of £67.22
Total Amount Payable: £8066.40
Settlement Fee: £29
12 Months Buy Now Pay Later
Nothing to pay for 12 months – 9.9% APR representative
If settled in full within the 6 month deferral period then there is no interest to pay, however a £29 settlement fee will apply. This means that you would pay the amount of credit plus the administration fee. If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period.
Representative Example
Cash Price: £10,000.00
Deposit: £0
Amount Of Credit: £10,000.00
Interest Rate % (Fixed p.a.): 9.9%
Representative % APR: 9.9%
Duration (including 6 months deferral period): 132 months
120 Monthly Payments Of £140.95
Total Amount Payable: £16,914.00
Settlement Fee: £29
5 Years Interest Bearing Credit
8.9% APR representative
Interest is calculated daily and added monthly. You must make the minimum repayment each month. You can make additional repayments without penalty, which allows you to control the term of the loan and reduce the amount of interest you would pay. Payments will start approximately one month after the contract we have fulfilled with you.
Representative Example
Cash Price: £5,000.00
Deposit: £0.00
Amount Of Credit: £5,000.00
Duration of Agreement: 60 months
Interest Rate % (Fixed p.a.): 8.9%
Representative % APR: 8.9%
60 Monthly Payments Of £102.71
Total Amount Payable: £6162.60
10 Years Interest Bearing Credit
8.9% APR representative
Interest is calculated daily and added monthly. You must make the minimum repayment each month. You can make additional repayments without penalty, which allows you to control the term of the loan and reduce the amount of interest you would pay. Payments will start approximately one month after the contract we have fulfilled with you.
Representative Example
Cash Price: £10,000.00
Deposit: £0.00
Amount Of Credit: £10,000.00
Duration of Agreement: 120 months
Interest Rate % (Fixed p.a.): 8.9%
Representative % APR: 8.9%
120 Monthly Payments Of £124.28
Total Amount Payable: £14,913.60
