UP TO 12 MONTHS 0% APR REPRESENTATIVE INTEREST FREE FINANCE
Spread the cost with our interest free finance available online and in store.
NOTE: Many more finance / deposit options available in store.
Our simple online finance option allows you to spread the cost of your order over 6 or 12 months.
ALL YOU NEED TO DO IS SPEND A MINIMUM OF £500.
The table below shows you how much monthly repayments will be based on the total order value.
For help with your finance please call 0113 2444499
- Cash Price £2,000.00
- Deposit £200
- 0% APR representative
- Interest rate 0% fixed
- Number of Payments 12
- Monthly Payment £150
- Total Amount payable £2,000.00
HOW DO I CHOOSE TO PAY BY INTEREST FREE CREDIT?
Just select the finance option on the check out page or let the sales consultant know if you’re buying in our showrooms.
WHEN DO MY REPAYMENTS START?
Your monthly repayments will begin one month after your purchase has been delivered.
ARE THERE ANY ARRANGEMENT FEES OR HIDDEN EXTRAS FOR CREDIT?
No. There are no arrangement fees or hidden extras.
Credit subject to status and affordability. Terms & Conditions Apply. Kelvin Furniture Ltd. are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.
YOUR QUESTIONS ANSWERED
Here’s some of the most commonly asked questions regarding online finance.
ONCE MY APPLICATION IS APPROVED, WHAT HAPPENS NEXT?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Kelvin Furniture Limited will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
WILL YOU CREDIT SCORE ME AND IF SO, WHAT DOES THIS MEAN?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
IF YOU DECLINE MY APPLICATION, WHAT IS THE REASON?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:
- Your credit score (note that every finance company will score you differently)
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders
WHAT TYPE OF INFORMATION DO CREDIT REFERENCE AGENCIES HOLD ABOUT ME?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
HOW DO I OBTAIN A COPY OF THIS INFORMATION?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
- Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
- Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
- Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.