Home Improvement Buy Now Pay Later Finance


Buy Now Pay Later with up to 12 months deferred repayment

Home Improvement Buy Now Pay Later finance is extremely popular as it allows customers to buy products and then defer the first repayment for a specified number of months from installation, typically up to 12 months.

It provides a great sales message for marketing promotions and is a very attractive option for customers – especially those would prefer to leave their savings in the bank.  It also appeals to people with short-term financial obligations that might otherwise delay their buying decisions.

Customers have the choice to settle their loan within the deferred period with no interest to pay or continue onto their repayment plan (for those customers settling interest free finance a small early exit fee may apply)

Getting started with Home Improvement Buy Now Pay Later Finance

You will need to hold FCA authorisation in order to offer credit and your business will also need to meet certain criteria stipulated by our lenders. Once approved you will be assigned a dedicated Business Development Manager who will work closely with you to develop a credit strategy tailored to your business. We’ll also provide comprehensive training and an ongoing support programme for you and your sales team.


…for your customers

  • A range of payment terms on purchases priced between £1000 and £50,000
  • Allows customers to buy at today’s prices but defer paying the full cost
  • Deferred periods of 6, 9 & 12 months available
  • No interest payable if settled within the deferred period (a small early exit fee may apply)
  • A monthly instalment plan is available for those choosing not to settle in the deferred period
  • Our lenders always send out a reminder letter 30 days prior to the end of the deferred period to ensure customers are always informed and treated fairly

 …for you

  • Highly effective & proven ‘soft sell’ marketing message for advertising
  • Brings forward customer purchases & secures sales that may otherwise have been lost
  • Maximises appointment to sales conversion ratios
  • Higher order values
  • Highly competitive subsidy rates & optional deposit requirements