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Payment on Finance 

Hitchachi Finance Provider Furniture Store Paybyfinace furniture Pay on finance Furniture and flooring Pay monthly furniture pay monthly Sofas Pay monthly wardrobes Pay monthly dining tables

 

Finance is subject to status, conditions apply. Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Spread the cost of your new furniture and flooring with our great funding options, designed to give you flexibility and value on all your flooring and furniture on finance.

 We Do TWO Types of Contracts: 

  1. BUY NOW PAY LATER (4 YEARS CONTRACT)
  2. PAY IN MONTHLY INSTALLMENTS (UPTO 4 YEARS)  

 

OPTION 1: (BNPL) BUY NOW PAY LATER (4 YEARS CONTRACT)  

Buy Now Pay Later is an interest bearing option that allows you to delay your payments for up to a year when you spend £250 or more. That way you can get the use out of your purchases now, but pay for them at a later stage, to help you manage your budget.

A delayed payment period of 12 months and then a repayment period of 48 Months when you spend £250 or more. The typical interest rate used to calculate BNPL interest is 19.9% Fixed per annum, your interest rate is detailed in checkout.

In this option you can settle the account before 12 Months Period finishes by paying £29 Admin fees, if you settle the account within 12 Months period there will be NO Interest payable to your account. There is no Minimum Deposit Requirement  

*19.9% APR Representative example: (BUY NOW PAY LATER) 

Cash price £1300. 

Deposit – Not Required Optional. 

Loan Amout £1300

APR Representative 19.9%

Interest Rate 19.9% (Fixed)

Duration of Agreement -  60 Months, with the first payment deferred for 12 months 

48 Consecutive payments of £45.34 commencing 12 Months after the date of supply. 

Total payable £2176.32. 

Early Settlement Fee £29

Minimum spend of £250. Subject to status. 

If by the deferred first payment date you have paid the amount of credit in full, you will not have to pay any interest but you will have to pay an administration fees of £29.

Terms & Conditions:

  • Finance is subject to status and available only to persons aged 18 or over.
  • Minimum credit amount is £250.00 on all eligible products.
  • Minimum duration of finance agreement is 12 months.
  • Permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed.
  • Has been resident in the UK for at least 3 years and will continue their residency in the UK.
  • Has a debit or credit card in their name and registered to their address (you’ll need this to match the address used to complete the identity verification).
  • Has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction).

 

OPTION 2: PAY IN INSTALLMENTS (MONTHLY PAYMENTS) 

AH Interiors are now offering finance packages to spread the cost of your payment up to 4 Years. We offer a range of safe and secure finance options, turning your dream furniture into a reality. Choose from 12 months right up to 48 months with only a 20% deposit. 

Up to 4 years Interest FREE Credit is available on all orders over £500, all you need to pay is a minimum 20% deposit – you can pay more if you wish. When buying online, simply follow the easy steps during Checkout. If you’re buying over the phone, our team will explain your options.

As you progress through Checkout, if you select Interest Free Monthly payments we’ll ask you to confirm your deposit and repayment period. When you confirm your order, your deposit payment will be charged. You will then be taken to Hitachi Capital’s website to complete your credit application. Please note, your order will only be processed once your credit application has been accepted.

The table below shows minimum spend and deposit amounts for Interest FREE Credit.

Payment term

Minimum spend

Deposit 20%

Minimum loan value

12 months

£500

£100

£400

24 months

£1800

£360

£1440

36 months

£3800

£760

£3040

48 months

£5900

£1180

£4720

                         

*0% APR Representative example: (BUY NOW PAY IN INSTALLMENTS)

Cash price £1800.

Deposit (20%) £360.

24 monthly payments of £60.

Total payable £1440.

Minimum spend of £1800. Subject to status.

Written quotation upon request.

AH Interior (Nelson) Ltd (Company number 07485448, Nelson BB9 7XR) are a credit broker, not a lender. Authorised and regulated by the Financial Conduct Authority. The credit advertised and credit is provided exclusively by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC. 

Terms & Conditions: 

  • Finance is subject to status and available only to persons aged 18 or over.
  • Minimum credit amount is £500 on all eligible products.
  • Minimum duration of finance agreement is 12 months.
  • Permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed.
  • Has been resident in the UK for at least 3 years and will continue their residency in the UK.
  • Has a debit or credit card in their name and registered to their address (you’ll need this to match the address used to complete the identity verification).
  • Has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction). 

 

How Does It Work?

STEP 1: Select the furniture you require. To qualify for finance your basket value (including delivery) needs to be at least £250.

STEP 2: When you’re in the basket, simply fill out your address and contact details, then click the ‘Pay by finance’ button. You will be now prompted to select the duration of the finance you would like to apply for, then press apply for finance. You will now be directed securely to the finance application page.

STEP 3: Simply fill out the finance application, pay the 20% deposit by card (In case of Monthly Instalments You need to pay 20% Deposit, but if you are chosing Buy Now Pay Later Then No deposit is required)

STEP 4: We then receive notification from the finance provider with the outcome of the application

STEP 5: Providing the application is successful we dispatch your items in the specified lead times!

 

Great Reasons To Choose Finance:

1. Buy your dream furniture now.

2. 19.9% interest (12 Months Payment Holiday period if you have chosen BUY NOW PAY LATER)

3. No messy paperwork and an instant decision

4. Safe and secure provider, giving you peace of mind 

To find out more about purchasing our furniture on finance feel free to contact one of our friendly team of advisors, who will be happy to help. 

 

Frequently Asked Questions >> 

How do I choose to PaybyFinance?  

Just select the finance option on the checkout page or let the sales consultant know if you're buying in our showroom / store.  

Who is eligible to apply for online finance?  

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. 

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however, the employment details of your spouse / partner will be required in order to process your application. 

When do my repayments start?  

Your monthly repayments will begin one month after your purchase has been delivered. ( only applicable to the interest-free option, but would not apply to BNPL) 

Are there any arrangement fees or hidden extras for credit?  

No. There are no arrangement fees or hidden extras.  

How do I Apply for finance online?  

Applying for online finance couldn't be easier or more convenient. When you buy online from AH INTERIOR (NELSON) LTD you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.  

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.  

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.  

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.  

Once my application is approved, what happens next?  

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.  

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.  

Once you have agreed to the terms of the finance agreement AH INTERIOR (NELSON) LTD will be notified and you need to do nothing more.  

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.   

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.  

Will you credit score me and if so, what does this mean?  

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.  

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.  

If you decline my application, what is the reason?  

In addition to credit scoring, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:  

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders  

What type of information do credit reference agencies hold about me?  

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.  

How do I obtain a copy of this information?  

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:  

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ  

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.  

If my application is not successful, can I re-apply?  

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.  

Can I request delivery to an address other than my home?  

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

STEP BY STEP GUIDE OF CHOOSING FINANCE AT CHECKOUT