Flexible financing
made simple

We offer a full range of household white goods, furniture and consumer electronic products. We have friendly staff who will help you choose and can often source a particular product you may have in mind, even if not advertised on our website.

Goods are available for cash or credit (subject to status) on flexible terms. Please ask us for more information on 01495 726565 or email fvenquiries@familyvision.ltd.uk

We offer ‘rent-to-own’ hire purchase agreements over a period of 1-3 years for you to purchase Family Vision goods. The exact terms will depend upon your personal circumstances and on the affordability assessment. This is to ensure the repayments are affordable for you.

This is a type of borrowing called ‘hire purchase’ – you don’t own the goods until you have paid in full. If you fall behind with payments, or have financial difficulties such that you cannot pay, you may be able to return the goods to the lender. The lender also has rights to repossess the goods if you stop paying.

‘Rent-to-own’ is a specific category of ‘hire purchase’ which has to ensure that the interest rate on the agreement is not too high. The total amount you pay for the goods never exceeds double the cash price (including delivery etc charges). Additionally, the price of the goods is checked against at least 3 other retailers to ensure it is competitive, in a process called benchmarking.

Our interest rate is fixed 33% flat per annum. This works out at 73.50% APR over 1 year; 70.20% over 2 years and 66.20% over 3 years.

No late or hidden charges apply during the course of your agreement with us. Delivery charges apply.

You must be over 18 years of age, be a resident within our geographical catchment area and have a regular income. In addition, you cannot have been declared bankrupt nor had a DRO or IVA in the past 12 months. If you have an IVA currently in place, you will need to obtain permission from your IVA supervisor before obtaining any new credit over £500.

You can apply to Family Finance by completing an online application form here, by discussing this with your local agent if you are a current customer, or by calling 01495 726565 and they will explain the easiest way for you to apply.

There are different payment options available including payment through standing order, Continuous Payment Authority (CPA), cash, debit card and bank transfer.

At Family Vision Ltd, we deliver our furniture across South Wales and many of the surrounding areas, including but not limited to, Caerphilly, Swansea, Ebbw Vale, Brynmawr, Aberdare, Merthyr Tydfil, Cardiff, Cwmbran, Newport, Pontypool, Abergavenny, Llanelli, Port Talbot, Monmouth, Bath, Pontypridd and areas throughout the Midlands.

At Family Vision Ltd, we deliver our electrical items across South Wales and many of the neighbouring counties, towns and cities; including but not limited to, Merthyr Tydfil, Pontypool, Pontypridd, Caerphilly, Abergavenny, Newport, Llanelli, Ebbw Vale, Aberdare, Port Talbot, Swansea and areas throughout the Midlands.

Click here to see more FAQ’s

Yes, we will still consider all applications. Your credit file is just one of the factors we will take into consideration when making a decision to give you credit so don’t let that put you off.. Other factors will be your income and outgoings and if you have any previous record with us. Our goal is to try and help those most in need get back on track and provide a line of credit to customers that may not be able to use mainstream lenders due to previous poor decisions. Please see the “what is your interest rate” tab below where all interest charges are explained or visit our payment calculator.

You must have a regular income and the ability to repay the loan on time. Our lending partner, Family Finance, will consider current and previous credit history as part of the affordability assessment. We obviously cannot guarantee that everyone who applies will be successful.