Buy Now Pay Later

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

It provides a great sales message for marketing promotions and is a very attractive option for customers – especially those who 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 begin their monthly repayment plan.

How Home Improvement Buy Now Pay Later Credit Works

For your customers...

For you...

Getting started with Home Improvement Buy Now Pay Later

You will usually need to hold FCA authorisation in order to offer finance. At CCS we can certainly help you with this. Your business will also need to meet certain minimum criteria stipulated by our lenders.

You will be assigned a dedicated CCS Account Manager who will work closely with you to develop an effective credit strategy tailored to your business and customer demographic. We’ll also provide comprehensive training and an ongoing support programme for you and your sales team.

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.

Value Added Services For You

Panel of

Our established partnerships with a panel of ‘blue chip’ lenders allow us to negotiate the very best rates and terms for your business.

Dedicated Account Managers

We pride ourselves on ensuring you get the very best Account Management from our dedicated team of industry specialists. You will be allocated your own personal Account Manager who will be responsible for all aspects of your facility.


Our dedicated and experienced team of Compliance experts are on hand to help with any regulatory queries, marketing and general compliance guidance.