Home Improvement Finance & Payment Options
Including 0% Interest-Free Credit
Credit is subject to status and application. Terms & Conditions Apply.
Choice
At Thistle, we believe that choice is more important than ever when it comes to funding your home improvement project.
That’s why in addition to accepting the majority of major debit cards, credit cards, cash and cheques, we also offer a range of competitive finance options, designed around our products and services.
Flexibility
When deciding how to fund your home improvement project, there is no “one size fits all” solution. At Thistle, we understand that flexibility is a key part of any funding decision.
Whether you are looking for a payment-free period of up to a year, or you are looking to spread your monthly-payments over a longer period of time – or even if you would prefer to pay in full upon completion; our funding and finance options give you the flexibility you need.
Peace of Mind
All of our finance options are home improvement loans designed specifically for our products and services. This means that you benefit from an additional level of consumer protection from the Financial Conduct Authority, as we are a fully authorised and registered company (Financial Services Register No. 729824).
At Thistle, with whatever funding option you choose – you get peace of mind.
Option 1: Buy Now Pay Later
14.9% APR Representative
With our 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
71 Months / 14.9% APR
First repayment is after 12 months
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Monthly payments | £237.69 |
| Amount of Interest | £5,261.40 |
| 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 a range of financial providers.
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
Our 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
12 Months / 0.0% APR
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Monthly payments | £750 |
| Amount of Interest | £0 |
| 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 a range of financial providers.
Option 3: Deferred & Preferred
4.9% APR Representative
With our Deferred & Preferred finance 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
62 Months / 4.9% APR
First repayment is after 3 months
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Monthly payments | £170.34 |
| Amount of Interest | £1,220.40 |
| 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 a range of financial providers.
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: Extended Term Finance
7.9% APR Representative
With our Extended Term Finance option, you can enjoy the flexibility of our longest repayment terms 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
120 Months / 7.9% APR
| Cash Price | £10,000 |
| Deposit | £1,000 |
| Amount of finance | £9,000 |
| Monthly payments | £84.11 |
| Amount of Interest | £6,139.80 |
| 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 a range of financial providers.
Home Improvements Finance | Thistle Windows & Conservatories Ltd | Funding & Finance Options
Home Improvements Finance Options | 0% Interest Free Credit Available | Buy Now, Pay Summer 2020 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 a range of financial providers.