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FINANCE OPTIONS

If you wish to pay via finance this can all be done over the telephone by calling our sales team on 01446 772927

 

At The Place for Homes we offer fantastic quality furniture at extraordinary prices. However we understand that not everyone wants to pay in full and sometimes it suits our customers to pay over a certain amount of time in order to spread the cost.

In order to cater to as many of our customers financial needs as possible, here at The Place for Homes we offer several finance packages in order to spread the cost.

 

Credit Options Avavilable

1. £500 - £1000          - Minimum 20% deposit - 6 months deferred - £29 Settlement fee

2. £1000 - £2000        - 10 Months Interest free credit - Minimum 10% Deposit

3. > £2000                     - 20 Months Interest free credit - Minimum 10% Deposit

 

 

Representative Example for Interest Free Credit :-

 

Total Price:   £1500
  
Cash price (inc. delivery & VAT):£1500
Deposit:£150
Amount of credit:£1350
Charge for credit:£0.00
Balance to be paid:£1350
Total amount payable:£1350
10 monthly repayments of:£135
Representative 0% APR

Interest Rate

 

0%FIXED

 You only pay: £135 per month

 

Representative Example for Buy Now Pay Later :-

 

Current Web Site Total Price:        £500
  
Cash price (inc. delivery & VAT):£500
Deposit:£50
Amount of credit:£450
Charge for credit:£134.32
Balance to be paid:£584.32
Total amount payable:£584.32
36 monthly repayments of:£16.23
Interest Rate:                                      19.9%Fixed

You only pay £62.95 per month

 

If the agreement is settled in full before the first payment is due. then no interest is payable, although a £29 early settlement fee is applicable. Remember this is a 36 month agreeement.

You can always decrease your monthly repayments even further by choosing to pay a larger deposit. We will then recalculate the change in payments for you.

 

GET INTEREST FREE CREDIT TODAY

To apply for finance simply call our Finance Team at The Place for Homes on 01446 772927

 

FINANCE FAQ'S

Q. What type of credit options do you offer?

A. Depending on the total cost of your order, we offer 6 months Buy Now Pay Later options and 10, 20 months Interest Free Credit (subject to status).

Q. Is there a minimum order value for credit applications?
A. Yes. Credit is only available on orders of £500 or more.

Q. How do I apply for credit?
A. To apply for finance simply call us on 01446 772927. An agreement will be posted to you for authorisation.

Q. When can I apply for finance?
A. Finance can be applied for between 9:30am - 5pm Monday - Friday and 10am - 4:30pm Sat / Sun

Q. What happens next if my application is approved?
A. If your application is approved we will confirm your order. We will then send your approved finance agreement to you. Simply sign, date and return to us in the prepaid envelope. Upon receipt of the signed agreement we will immediately process your order and dispatch your goods within the specified lead time.

Q. Are my personal details secure?
A. Yes, our website uses the latest 256 bit high-grade encryption to protect you. There have been no documented cases of credit card fraud using our shopping system over the Internet.

Q. What happens if my application is declined?
A. If our credit provider declines your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card or BACS). If you have paid a deposit this will be refunded to you should you not be in a position to proceed with your order.

Q. Am I eligible for finance?
A. In order to apply for finance you must:

  • be at least 18
  • be either employed for more than 16 hours per week, self-employed, a house person, retired and over the age of 50, or in receipt of an invalidity or disability allowance.
  • have been a UK resident for 3 years or more.
  • be able to make repayments by direct debit.
  • be able to provide your previous address if you have lived at your current address for less than 3 years.

Q. What information do you need from me?

A. For a decision on your credit application you will need to provide us with your personal contact details, residence, employment and bank details (including bank account number and sort code). Having this information to hand will speed up your application.

The credit advertised is provided by one of a number of credit providers with whom we have a commercial relationship.