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Flexible financing
made simple

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Whatever you fancy

With our rent-to-own financing options, we help families to purchase top quality household items through instalment plans that work for them, with excellent customer support from enquiry to payment.

Choose

Browse our range of rent-to-own products until you find exactly what you're looking for.

Apply

Apply online for your chosen financing option. All applications for finance are subject to credit and affordability checks.

Enjoy

Sit back, relax and let us do the heavy lifting while you enjoy your new purchase. We'll still be here for any questions you have regarding your payment plan.

What our customers are saying about us

“The team have been absolutely amazing throughout. Even when I lost my job and struggled to get back on track. They were patient and understanding and gave me every option available and assisted me in finishing my payments. Can not ask for a better team”

Tristan, Ebbw Vale

“Excellent service from start to finish. Brandon dealt with my application. He explained everything very well, even the delivery drivers were very professional and helpful”

Eunice, Bridgend

“Amazing service as always. Really helpful, down to earth staff who are helpful from start to Finish, nothing is too much trouble for them. Highly recommend the company”

Christine, Ross-On-Wye

“Finance and payment options are always explained thoroughly and clearly. Staff are always helpful and polite”

Lisa, Blackwood

“Returning customer time and time again. Brilliant company!”

John, Swansea

Advice and Answers

What goods do you sell?

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

What type of agreements do you offer?

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.

What is rent-to-own or rent-to-buy?

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.

What is your interest rate?

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.

Are there any hidden charges?

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

What are the criteria for making a rent-to-own application?

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.

How do I apply for credit?

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.

How do you collect payments?

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

What areas do you deliver furniture to?

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.

What areas do you deliver electrical goods to?

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.

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Representative example

Product price £715.32|Number of months 36|Total amount payable £1,424.44|35 Monthly instalments £39.54|

Final payment (incl £1 option to purchase fee) £40.54| Rate of interest (fixed per annum 51.88%| Representative Annual Percentage Rate (APR) 66.2%

All credit is subject to an affordability assessment. Written quotations on request. T&C’s apply. 18’s+ only. Please consider whether this product is suitable and affordable to you and think how you manage your repayments if your circumstances change.