Home Improvement Finance &
Payment Options
INCLUDING 0% INTEREST-FREE CREDIT
Credit is subject to application, financial circumstances and borrowing history.
Terms & Conditions Apply.
Interest free credit
0% APR Representative
Simply divide the loan amount by the term of the agreement and this will be your monthly repayment amount for the entirety of the agreement.
No interest or fees are payable with this option.
Representative Example
| Purchase Price | £10,000 |
| Deposit | £5,000 |
| Amount of Credit | £5,000 |
| Representative APR | 0.0% APR |
| 12 Monthly payments | £416.66 |
| Total payable | £10,000 |
Buy Now Pay Later (8 Months)
19.9% APR Representative
If settled in full within the 8 month deferral period then there is no interest to pay, however a £29 administration fee will apply.
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.
Interest will continue to be charged until the agreement is repaid in full.
Representative Example
| Purchase Price | £10,000 |
| Deposit | £2,000 |
| Amount of Credit | £8,000 |
| Representative APR | 19.9% APR |
| 120 Monthly payments | £161.90 |
| Fee if loan is settled in first 8 months | £29 |
| Total payable | £21,428 |
3 Months Deferred Repayment (Option 1)
9.9% APR Representative
If settled in full within the 3 month deferral period then there is no interest to pay, however a £29 administration 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.
Interest will continue to be charged until the agreement is repaid in full.
Representative Example
| Purchase Price | £10,000 |
| Deposit | £2,000 |
| Amount of Credit | £8,000 |
| Representative APR | 9.9% APR |
| 120 Monthly payments | £105.08 |
| Total payable | £14,609.60 |
3 Months Deferred Repayment (Option 2)
9.9% APR Representative
If settled in full within the 3 month deferral period then there is no interest to pay, however a £29 administration 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.
Interest will continue to be charged until the agreement is repaid in full.
Representative Example
| Purchase Price | £10,000 |
| Deposit | £2,000 |
| Amount of Credit | £8,000 |
| Representative APR | 9.9% APR |
| 60 Monthly payments | £170.60 |
| Total payable | £12,236 |
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