Pay Monthly Garden Furniture & Sheds

Rent-to-own, also known as rent-to-buy, is a form of hire purchase. You receive your garden furniture or shed straight away, but ownership transfers only once all payments have been made in full. If payments are missed or financial difficulties arise, it may be possible to return the goods to the lender, Family Finance. They also have the right to repossess the goods if payments stop. These agreements include protections, such as limits on interest so the total amount payable never exceeds double the cash price, including delivery or related charges. Prices are benchmarked against other retailers to ensure they are competitive.

Repayments are made in regular instalments using the method agreed when your finance is arranged. Instalments can typically be structured weekly or monthly, depending on what is agreed. Payment methods may include standing order, Continuous Payment Authority, debit card, cash, or bank transfer. Your agreement will confirm the schedule and amounts.

The first repayment is usually due within one month of receiving your items. If weekly instalments are arranged, payments may begin sooner. The exact start date and frequency will be clearly set out before you commit.

Garden furniture and sheds are offered through rent-to-own hire purchase agreements provided by the lending partner, Family Finance. Agreements generally run over one to three years, depending on your circumstances and the affordability assessment. Instalments may be arranged weekly or monthly.

You can still apply. Each application is assessed individually and includes an affordability check. Having bad credit does not automatically mean you will be declined. If approved, repayment frequency can usually be agreed as weekly or monthly.

You can still enquire, but approval depends on an affordability assessment. Family Finance will review your circumstances to determine whether repayments are affordable.