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Finance

Spread the Cost of Your Leather Furniture – Easy Payment Options

Whether you want to purchase one of our beautiful Chesterfield leather sofas or a comfy armchair, we now offer an easy monthly payment plan.

To help you choose the right option for you, here is some information on our finance options. For more details, please call us on 01443 771333.

We offer simple finance options to help you spread the cost of orders over £500.  We only require a 10% deposit when you place your order.

  • 48 months buy now pay later finance, with the first repayment deferred for 12 months.
  • 36 months interest bearing finance.
  • 24 months interest bearing finance.

Ready to shop?

Shop our leather sofa collection and find the right one for you.

Buy Now Pay Later:

Our simple buy now pay later finance options allows you to spread the cost of your sofa over 48 months after a 12 month deferral period.  You may repay the amount of credit within the 12 month deferral period without incurring any interest charges – a settlement fee of £29 will apply.

Representative example:

  • Cash price £1,000
  • 10% deposit payable £100
  • Loan amount £900
  • Repay within deferred period £900 + £29 settlement fee
  • 48 monthly payments of £31.39
  • Interest Rate 19.9% per annum fixed
  • Interest is calculated from start of agreement
  • Total term of loan agreement 48 months, with the first payment deferred for 12 months
  • APR Representative 19.9%
  • Total Amount Payable £1,506.72

Interest Bearing Finance:

24 months 11.9% APR representative interest bearing finance

36 months 9.9% APR representative interest bearing finance

Representative example:

  • Cash price £1,000
  • 10% deposit payable £100
  • Loan amount £900
  • 36 monthly repayments of £28.83
  • Interest Rate 9.9% per annum fixed
  • Total term of loan agreement 36 months
  • APR Representative 9.9%
  • Total Amount Payable £1,041.48

If you require any further information about finance, please call 01443 771333.

Credit subject to status and affordability.  Terms and Conditions apply.  Thomas Lloyd Mail Order Limited is a credit broker and is authorised and regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority.  Financial Services Register no. 704348.  You can access the register through http://www.fca.org.uk

 

 

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Frequently Asked Questions

Who is eligible to apply for finance?

Finance is available on orders of £500 or more. This amount includes any additional services and delivery options.

You must be:

  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who’s in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

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

* If you are retired and receive a pension, or registered disabled and unable to work, Hitachi Finance may ask for proof of sufficient income.

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, Hitachi, our 3rd party financial services provider, will need to look at the application in more detail before making their decision.

What do I need to apply?

If you’d like to apply for our finance option, please call us on 01443 771333 and we will start the application process.

If your application is successful, you may be asked to verify your identity by authorising a 50p transaction against a credit or debit card you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card; the details are only used to check that they are valid and registered to your address.

Will I be credit checked?

Yes – when you apply for finance, the lender will run a credit check on your financial history to see if you are a suitable candidate for finance. This means that this search will show on your credit report.

What happens if my application is turned down?

There are several reasons your application may not be accepted, including wrong 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 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 being over-committed financially; or
  • your existing account performance with other lenders.

If you wish to appeal the decision made by the lender, it’s advised you get an up-to-date copy of your credit report before appealing to Hitachi directly.

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