Interest Free Credit Online
Up to 20 months genuine interest free credit, 0% typical APR.
- 6 months interest free credit over £500
- 12 months interest free credit over £1000
- 20 months interest free credit over £2500
Example: 12 month interest free purchase of £2000, 25% deposit of £500, 12 monthly payments of £125, subject to status, ask for written details.
Fishpools can now offer our customers the option to purchase goods online using a simple monthly payment plan with no applied interest, on all basket values over £500.
This service is provided by our finance partners, Creation Consumer Finance Ltd, and to take advantage of this method of payment, the following criteria must be met:
- You must be over 18
- Maximum age of 85 (at the end of the agreement)
- You must be able to pay your deposit by debit or credit card online.
- You must be in permanent full-time employment (over 16 hours per week), in permanent part time employment (under 16 hours a week), retired, in receipt of Disability Allowance or self employed.
- You must have been resident in the UK for at least 36 months and will continue your residency in the UK.
- You must have Bank or Building Society current account details available to be able to complete the direct debit instruction.
- The furniture ordered must be delivered to your current home address.
- Applications cannot be accepted if you are a student, or if you are unemployed.
If you wish to take advantage of this payment method, click on the “Purchase on 0% Credit” button in your Shopping Basket and you will be taken through a simple process:
Firstly you pay your 25% deposit directly to us through our card payment system.
Then you will be passed directly to the website of Creation Finance Ltd., to fill in your finance application.
Once you have completed all the relevant sections of this online finance agreement, a decision will be made by Creation Consumer Finance Ltd and if accepted, you will be invited to ‘esign’ your agreement online.
In some cases Creation will accept your agreement pending further checks. These checks may take up to 24 hours to complete. Once accepted a confirmation email will be sent to you, giving you the option to either complete your agreement by E-Signature or to manually print, sign and return your documentation to us for processing. Creation will forward a password for your account access by separate email for security reasons.
Your 14 day cooling off period starts the day after your E-Signature is completed on the credit agreement, or in cases where a physical signature has been made, the period starts the day after we receive back your agreement paperwork.
Your finance repayments will begin within 30 days of delivery of furniture in your order (in most cases we deliver your order in its entirety in one drop).
If your finance application is unsuccessful we will contact you separately and discuss other payment methods (such as card or bank transfer) in order to continue with your order.
In the event that you wish to cancel your order, you must inform us in writing (either by email or post). Any deposit held, will then be refunded back to your card (a process that can take up to four working days).
The interest free credit advertised (0% APR representative) is provided solely by Creation Consumer Finance Ltd. It is provided subject to acceptance and the terms and conditions of Creation Consumer Finance Ltd. Written details on request. Licensed credit broker.
Creation Consumer Finance Ltd, 6th Floor Royston House, 34 Upper Queen St, Belfast BT1 6FD