A Market Leader For Home Improvement Consumer Credit

We manage over £1.5 million a day in finance approvals for the home improvement sector. This gives us a huge advantage in negotiating the very best rates and terms from our panel of blue-chip lenders. Given we work with a number of lenders, it means we’re always able to offer truly independent advice – so you can be sure of the right consumer credit products for both you and your customers’ needs.

About Consumer Credit Solutions

Founded in 1999 by business partners Andy Wallace and Peter Nicholson, Consumer Credit Solutions is firmly established as the UK’s leading independent facilitator of consumer finance product to the Home Improvement market. Our clients range from successful family-run businesses through to some of the industry’s best-known and prestigious brands. Sales Director, Alex McCulloch joined the board of directors in 2018.

Our Values

Consumer Credit Solutions has significant expertise across the industry and our team of Account Managers work with home improvement retailers across the UK. Additionally, we also support a cross-section of other specialist sectors operating alongside the traditional home improvement sector.

Andy Wallace

Andy Wallace

Chief Executive Officer

Peter Nicholson

Peter Nicholson

Managing Director

Jeff Poole

Jeff Poole

Commercial Director

Alex McCulloch

Alex McCulloch

Sales Director

Lewis Jenkinson

Lewis Jenkinson

Risk & Compliance Director

CCS operate in partnership with a panel of ‘blue chip’ lenders to provide your business with a comprehensive range of  credit options aimed specifically at assisting the end consumer with the purchase of their chosen home improvement product.

Because CCS are truly independent, we will always only recommend the lending partner that we believe will best suit your particular commercial requirements.

Our clients can always be assured that we will deliver the very best rates and terms for all our business partners, as well as providing market leading client support.

All CCS lenders have a long term commitment to the home improvement sector, meaning that you have the reassurance that when entrusting CCS with your consumer credit requirements, you would never need to search the market again for a suitable finance partner.

Each CCS client is appointed a dedicated account manager who will be available to provide you with the very best service standards.

Your dedicated account manager will of course be on hand to help with any queries or issues that you may encounter on a day-to-day basis.

Your dedicated account manager can also offer advice on the best way to promote finance to help generate additional leads, increase appointment to sales ratios and achieve higher order values.

Training of your staff is all part of our service. It is in everyone’s best interests that the person explaining the credit options to the end consumer is fully conversant with the credit products and is therefore able to answer correctly and accurately any questions your customer may have.

Your dedicated account manager is a resource that we believe will be of great value to you as our client. Working closely together, we can ensure that the credit package adds great value to your business proposition.

Our team of compliance experts at CCS are on hand to assist you in offering and promoting credit in a compliant manner.

The Financial Conduct Authority (FCA) have regulations in place to protect customers and ensure they are always treated fairly. With this core principle in mind, we have created the ‘Electronic Choice Of Funding’ (eCOF) software. This assists our clients in meeting their regulatory obligation to provide customers with clear, fair, and not misleading information regarding the available funding options. This enables customers to make an informed decision on which, if any, credit products suit them best. This software is provided free of charge to all CCS clients.

In addition to this, our experts will be on hand to help you with any regulatory queries you may have and will be happy to offer recommendations on how to compliantly and ethically promote finance to your target audience. We will offer guidance on marketing material that makes customers aware of the availability of finance in a compliant manner.

We believe our compliance experts deliver a service that is second to none and all CCS clients make use of this available resource that we offer.

Interest Free Credit

0% APR – allowing your customers to spread the cost with no charges or fees. IFC can help increase sales and average order values.

Buy Now Pay Later

Secure your customer – They can buy today at today’s price, but pay for their goods in up to 12 months’ time.

Low Rate Finance

Market leading interest rates with terms varying from 3 years to 15 years on an unsecured basis. Making your product an affordable luxury.