Home Improvement Interest Free Finance


Interest Free Credit 0% APR

Home Improvement Interest free credit is a particularly attractive finance offering, it allows your customers to buy products and then spread the cost without incurring any interest.  There is also an option to add a deferral period, which means customers can defer their first repayment by up to 12 months.

As a marketing tool, interest free credit can help attract customers into your showroom.  Typically, our clients see an increase in both sales and order values when they start to offer an interest free loan plan to customers.

Getting started with Home Improvement Interest Free Credit

You will usually need to hold FCA authorisation in order to offer interest free credit, although there is an exception if you only offer 0% APR over a term of less than 12 months.

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 an effective 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 typically priced between £1000 and £50,000 (exceptions are possible)
  • 0% APR means there’s no interest to pay (plus no document or admin fees)
  • Choice of repayment terms from 12 to 60 months
  • Equal monthly repayments
  • First repayment starts approximately one month after the installation of product/s
  • Customers can settle their agreements at any time without penalty

 …for you

  • Highly effective & proven ‘soft sell’ marketing message for advertising
  • Maximises appointment to sales conversion ratios
  • Fewer order cancellations when customers buy on interest free credit
  • Higher order values
  • Highly competitive subsidy rates & optional deposit requirements