Our financing Options

Put simply, interest-free credit loans allow you to borrow money over a fixed period of time, during which you will not have to pay any interest.

Our financing provider will take several things into account when assessing your eligibility. This may include your credit score and individual circumstances. Speak to our partner – Ideal4Finance – directly to find out more.

Our financing provider offers several different credit options, allowing you to borrow with them interest free for a period of 12, 24 or 36 months.

Generally speaking, it is beneficial to pay off an interest-free loan early if you can. By paying more than the minimum amount each month, you will clear your debt faster and avoid falling into late payments, which could lead to interest being charged if your agreed interest-free period has expired. However, making early payments is not a requirement. Provided that you make your minimum payments on time, you won’t be charged extra. Speak to your financing provider – Ideal4Finance – to find out if they accept early payments.

The amount of APR on a loan doesn’t impact credit rating. So, whether you take out a loan with 0% APR or 99% APR, it doesn’t matter. What does matter is that you make your repayments on time to avoid further interest from accumulating and to avoid late payment fees, which can affect your rating.

Once your interest-free period has expired, you will start to pay interest on your loan. Speak to our financing provider – Ideal4Finance – to find out more about late repayment fees and interest rates.

Customers must complete their finance applications themselves, unless they hold the relevant FCA authorisation to complete an application on someone else’s behalf.

Ideal4Finance credit agreements have a 14-day statutory cooling-off period. If you choose to take advantage of this and decide to exit your credit agreement before the 14 days are up, you will have to repay your loan in full before the cooling-off period expires.

In a word, no. Your finance agreement is completely separate to your guarantees, which will not be affected by the way you choose to pay.

A minimum deposit of 10% of the complete purchase price will need to be paid to be eligible for our interest-free credit and fixed APR products. The maximum deposit for these products is 75%. Meanwhile, there is no minimum deposit for our interest-bearing options.

No. The application form is designed to be as straightforward as possible and can usually be completed within a matter of minutes.