Interest Free Credit 0% APR

Home Improvement Interest free credit is a particularly attractive finance offering, and gives your business an aggressive marketing message. With this offering you can expect to see an increase in sales, and order values.

The product allows your customers to make the purchase 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.

How Home Improvement Interest Free Credit Works

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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 Account 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.

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, FCA applications, marketing and general compliance guidance.