Home Improvement Finance & Payment Options
Including 0% Interest-Free Credit
Credit is subject to status and application. Terms & Conditions Apply.
Option 1: Buy Now Pay Later
(12 Months)
14.9% APR Representative
With the 12 Months Buy Now Pay Later finance option you can place your order with us and pay nothing for up to 12 months – with no minimum spend or deposit required.
You can choose to pay in full by the end of the 12 months and simply pay a £49 settlement fee (no interest to pay), or alternatively you can spread the cost and pay monthly.
Please see representative example.
Who Can Apply for Finance?
- Applicant must be 18 years or over on application date
- In a permanent UK residence – minimum of 3 years
- Fulfill one of the following employment criteria:
- In regular, permanent employment working minimum of 16 hours per week (includes students)
- Retired from regular employment. Minimum age 50
- Not working through disability
- Self Employed
Representative Example
Buy Now Pay later (12 Months)
First repayment is after 12 months
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Agreement duration | 71 Months |
| Annual rate of interest | 14.9% P.A |
| Representative APR | 14.9% APR |
| 60 Monthly payments | £237.69 |
| Fee if loan is settled in first 12 months | £49 |
| Total payable | £15,261.40 |
Finance and credit are subject to status and application. Terms and conditions apply. Authorised and Regulated by the Financial Conduct Authority. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) acts as a credit broker and not the lender and offers products from Barclays Partner Finance and Hitachi Capital.
Early Repayment Terms & Conditions
If you repay the loan in full on, or before the date of your first repayment, you won’t be charged any interest and only have to pay a £49 settlement fee.
If you repay part of the loan on or before the date of the first repayment, you won’t be charged any interest on the part of the loan you repay.
If you make a full or partial settlement payment after the date of your first repayment then you won’t be entitled to a refund of any interest incurred prior to the date your payment was made. You may be entitled to an interest rebate, which will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
Option 2: Interest Free Credit
0% APR Representative
The Interest Free Credit option is useful if you would like to spread the cost of your home improvement project with no interest charges and split over 12 equal monthly payments – with no minimum spend or deposit required.
You also have the flexibility to settle your agreement early at any time, without any charges or fees.
Please see representative example.
Who Can Apply for Finance?
- Applicant must be 18 years or over on application date
- In a permanent UK residence – minimum of 3 years
- Fulfill one of the following employment criteria:
- In regular, permanent employment working minimum of 16 hours per week (includes students)
- Retired from regular employment. Minimum age 50
- Not working through disability
- Self Employed
Representative Example
Interest Free Credit
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Agreement duration | 12 Months |
| Annual rate of interest | 0.0% P.A |
| Representative APR | 0.0% APR |
| 12 Monthly payments | £750 |
| Total payable | £10,000 |
Finance and credit are subject to status and application. Terms and conditions apply. Authorised and Regulated by the Financial Conduct Authority. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) acts as a credit broker and not the lender and offers products from Barclays Partner Finance and Hitachi Capital.
Option 3: Buy Now Pay Later
(3 Months)
4.9% APR Representative
With the 3 Months Buy Now Pay Later option you can place your order with us and pay nothing for up to 3 months – with no minimum spend or deposit required.
You can choose to pay in full by the end of the 3 months and simply pay a £49 settlement fee (no interest to pay), or alternatively you can spread the cost and pay monthly.
Please see representative example.
Who Can Apply for Finance?
- Applicant must be 18 years or over on application date
- In a permanent UK residence – minimum of 3 years
- Fulfill one of the following employment criteria:
- In regular, permanent employment working minimum of 16 hours per week (includes students)
- Retired from regular employment. Minimum age 50
- Not working through disability
- Self Employed
Representative Example
Buy Now Pay Later (3 Months)
First repayment is after 3 months
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Agreement duration | 62 Months |
| Annual rate of interest | 4.9% P.A |
| Representative APR | 4.9% APR |
| 60 Monthly payments | £170.34 |
| Fee if loan is settled in first 3 months | £49 |
| Total payable | £11,220.40 |
Finance and credit are subject to status and application. Terms and conditions apply. Authorised and Regulated by the Financial Conduct Authority. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) acts as a credit broker and not the lender and offers products from Barclays Partner Finance and Hitachi Capital.
Early Repayment Terms & Conditions
If you repay the loan in full on, or before the date of your first repayment, you won’t be charged any interest and only have to pay a £49 settlement fee.
If you repay part of the loan on or before the date of the first repayment, you won’t be charged any interest on the part of the loan you repay.
If you make a full or partial settlement payment after the date of your first repayment then you won’t be entitled to a refund of any interest incurred prior to the date your payment was made. You may be entitled to an interest rebate, which will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
Option 4: Fixed Term Interest Bearing Credit
7.9% APR Representative
With the Fixed Term Interest Bearing Credit option, you can enjoy the flexibility of a long repayment term with equal monthly payments – with no minimum spend or deposit required.
You also have the flexibility to settle your agreement early at any time, without any charges or fees.
Please see representative example.
Who Can Apply for Finance?
- Applicant must be 18 years or over on application date
- In a permanent UK residence – minimum of 3 years
- Fulfill one of the following employment criteria:
- In regular, permanent employment working minimum of 16 hours per week (includes students)
- Retired from regular employment. Minimum age 50
- Not working through disability
- Self Employed
Representative Example
Fixed Term Interest Bearing Credit
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Agreement duration | 180 Months |
| Annual rate of interest | 7.9% P.A |
| Representative APR | 7.9% APR |
| 180 Monthly payments | £84.11 |
| Total payable | £16,139.80 |
Finance and credit are subject to status and application. Terms and conditions apply. Authorised and Regulated by the Financial Conduct Authority. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) acts as a credit broker and not the lender and offers products from Barclays Partner Finance and Hitachi Capital.
Home Improvements Finance | Thistle Windows & Conservatories Ltd | Funding & Finance Options
Home Improvements Finance Options | 0% Interest Free Credit Available | Buy Now Pay Later Available on Windows, Doors, Kitchens and Home Extensions
Email: info@thistlewindows.com
Call: 01224 706 555
© 1995-2019 Thistle Windows & Conservatories Ltd, Thistle House, Woodside Road, Bridge of Don, Aberdeen, AB23 8EF.
Thistle Windows & Conservatories Ltd is a company registered in Scotland (SC159622). Thistle Kitchens and Thistle Homes are trading names of Thistle Windows & Conservatories Ltd.
Thistle Artificial Grass Ltd is a company registered in Scotland (SC522003). Thistle Gardens & Outdoors is a trading name of Thistle Artificial Grass Ltd.
Finance and credit are subject to status and application. Terms and conditions apply. Authorised and Regulated by the Financial Conduct Authority. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) acts as a credit broker and not the lender and offers products from Barclays Partner Finance and Hitachi Capital.