Low Rate Monthly Repayment Finance Starting From 3.9% APR

Home improvement Low Rate Finance is great for customers who want to make purchases and pay for them over longer repayment periods – loan terms can go up to 180 months. It’s an attractive repayment option for many customers as it allows them to pay for products in manageable monthly instalments at a range of competitive interest rates.

Customers also have complete flexibility with this option to make additional repayments at any time, which can reduce the term of the loan and the total interest payable, giving them control over their loan agreement.

How Home Improvement Monthly Repayment Finance Works

For your customers...

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Getting started with Home Improvement Low Rate Finance

You will need to hold FCA authorisation in order to offer low rate finance and CCS can support and guide you through this process. 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.