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Finance

0% Interest Free Credit 

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Thinking of Choosing Finance?


We are able to offer 0% deals for 3, 6, 9 and 12 months on a selected range of our products.

Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online.

The quick application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision.

 

Check Your Eligibility


Before you apply please note you will only be considered for finance if you:

  • Min age 18, Max age 75 at the end of the term
  • Make sure you use your full name as shown on your passport 
  • Be a permanent UK resident, with minimum 3-year address history
  • Make sure you are not using a VPN if applying online.
  • In regular permanent employment, minimum 16 hours with minimum annual income £10,000     
  • Exclusions: Unemployed/ Students/Non-UK Residents
  • Finance must be applied for in the name of the individual that is taking the goods or services.
  • All details entered during the application process must be personal to the applicant. E.g. personal email address and mobile number
  • Ensure gross annual income is entered for the sole applicant, not weekly/monthly or household income
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

 

Our Payment Plan Options


We offer a range of interest-free finance options to help you spread the cost of your purchase over 3, 6, 9 or 12 months. The minimum value of the loan needs to be £400.00 and you can choose a deposit between 10 and 50% of the value of the goods.

Representative example would be:

0% finance over 12 months

  • Total order value = £600
  • 10% deposit = £60
  • Total amount of credit = £540
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £45
  • Total amount payable = £600

 

Paying with Finance


If purchasing online, first add the items you wish to purchase to your basket. When you reach the checkout select the best finance option for you and choose 'Pay with Duologi'. The quick application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision. Or, if you are making a purchasing from a quotation we have provided we'll provide you with the online application form, which takes a couple of minutes to complete and then you will receive an instant decision.

Take a look at our products available online or send us an enquiry if you would like a quotation on any of our printed items or package deals. If you have any questions just let us know.

 

Finance Decision


Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and the process is complete.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.



Repaying the Loan


Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.

 

Cancellation


There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify Duologi.

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.

 

The Legal Bit


TFH Gazebos act as a credit intermediary. Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. You will be offered the best rate available based on your personal credit history and Duologi's credit decision policies.

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to www.Duologi.com/faq or visit www.Duologi.com.