Important Information

A. 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.

A. 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.

A. 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.

Here is a representative example of what you would pay for typical goods:

A. No late or hidden charges apply during the course of your agreement with us. Delivery Charges Apply (See Question 20 of FAQ'S)

A. You must be over 18 years of age, be a resident in the UK 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 permisssion from your IVA supervisor before obtaining any new credit over £500.

A. You can apply by completing our online application form here, or by discussing this with your current collector if you are a current customer, or by calling 01495 726565 and we will explain the easiest way for you to apply.

A. We will provide you a collector. They will call on a day and time convenient to you. You can pay either by cash or debit card to the collector. Alternatively, you can set up a Continuous Payment Authority (CPA) and have the money paid directly from your bank account, without the need for a caller.

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 and Pontypridd.

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 and Swansea.