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0% Interest Free Finance

0% Interest Free Finance With Hitachi

Thinking of choosing finance?

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Hitachi Paybyfinance  whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Hitachi . The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!


Check your eligibility

You will only be considered for finance if you:

• Are at least 18 years old
• You're in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
• Provide an email address so your documentation can be emailed to you.

We offer a range of interest-free finance options to help you spread the cost of your purchase over 6 to 11 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Representative examples could be based on the below:

0% finance over 11 months

● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 11 months
● Representative APR = 0%
● Interest charged = £0
● 11 monthly payments of = £49.09
● Total amount payable = £600


Paying with finance 

Simply add the purchases to your basket and select Apply for Finance  at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.

 

Take a look at our products available with finance and shop now


Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Hitachi  will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, Hitachi  will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

 

Repaying the loan

Your first direct debit payment will be taken approximately 14 days after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

 

Cancellation

There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us directly. We can cancel the application on your behalf. There is no need to contact  Hitachi  your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

For any other questions contact us on 02476 705 600 or sales@furnitureinstore.co.uk


Legal Information

Euro Carpet Warehouse LTD is acting as a credit broker and not a lender. Finance is provided through the Hitachi platform. Hitachi Capital (UK) PLC is authorised and regulated by the financial conduct authority. Financial Services Register No 704348.

 

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