A. Once an application is approved, one of our sales team will be in contact to arrange the signing of your credit agreement, set up automatic payment and or explain other options to pay and to arrange an agreed delivery time

A. If the application is not approved, the sales team will be in contact to explain why. A letter of confirmation will also be sent explaining how to contact any credit reference agency used during the process.

A. The cash price will always be provided up-front. See repayment calculator for the cost of borrowing.  What we can guarantee is that there are no initial set up charges and you will never be asked to pay any upfront payments prior to us arranging a credit agreement. The only cost is the fixed interest charge and a small ‘option to purchase’ fee with the last repayment. These are added to the loan value which is shown as the total amount payable (TAP) see the loan calculator examples.

A. Some goods may already be in stock and will aim to be delivered within 2-5 working days of your agreement being signed. Those that need to be ordered in will have individual delivery times which will be discussed at the point of order. For items such as sofas & some furniture this can be up to 16 weeks.

A. We deliver across South West England, Wales and the Borders on Mondays to Fridays.

Delivery charges apply and are as follows:

Delivery can be paid upfront, or added to the credit agreement. Please note, if the delivery charge is added to the agreement, then interest will also be applied to that. The total amount payable (TAP) will be calculated on the cash price of the goods plus the delivery price (& the option to purchase fee). The TAP on credit will never be more than double the ‘cash’ price of these.