Interest Free Finance

Finance

APPLY FOR FINANCE here

 

Who are Snap Finance? 

We've partnered with Snap Finance to give you a fexible payment option called hello15 that suits all types of customers.

Snap have the ability to approve a much wider range of customer while still offering those customers the chance pay off their loan early and pay no interest

What is Hello15 ?

Take 15 months credit, if you settle in 15 weeks, you wont be charged any interest. If life happens, you can just continue with your minimum payments over the full 15 months. Only a £15 deposit required

Am I eligible? 

  • Minimum 18 years old £200 weekly income
  • Resident in UK
  • Active current account that can accept Direct Debits
  • Valid Debit or Credit Card

Pay on Finance                       

We know a new bed or sofa can be a big investment. That's why we offer the option to Pay on Finance with our partners Snap Finance. 

All Snap Finance loans come with a 15week interest free pay period.  Pay the full amount back in 15 weeks and there's no interest to pay. Just  use the application to be pre-authorised on how much you can borrow to complete a selection of products.

It's as easy as:

  1. Add your products to your basket
  2. Select Pay on finance at checkout
  3. Complete the easy online application
  4. Once accepted, pay the down payment and sign your application

 

Finance Terms and Conditions

If your application is successful, your order will be sent to the factory for production and then straight to your door within 2-3 weeks.  

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay in full for the product (unless your cancellation rights apply). 

FAQs

Who is eligible for finance?

Finance is available on orders of £250 or more, placed on our website. This amount includes any additional services and delivery options selected, however does not take into account any promotions, such as cashback.

You'll need to be:

  • 18 years or older.
  • Minimum £200 Weekly income
  • Resident in the resident.
  • Active current account that accepts Direct Debit.
  • Only available for customers in England and Wales.

Other conditions may apply and we cannot guarantee that your application will be accepted.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Snap Finance may need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It’s important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online and instore finance option.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still purchase the item in full via PayPal/ PayPal Credit or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:

  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially
  • You’re existing account performance with other lenders.

If you wish to appeal the decision made by Snap Finance it’s advised you obtain an up to date copy of your credit report before appealing directly to Snap.

Snap Finance is authorised and regulated by the Financial Conduct Authority with Reference Number 741813. The Register is available at   https://register.fca.org.uk/

Snap Finance reserve the right not to extend credit. Terms and Conditions apply. Missing payments could have severe consequences, including legal proceedings, the possibility of your home being repossessed and may make obtaining credit more difficult. You can get free money advice here: https://www.moneyadviceservice.org.uk/en

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk