INCLUDING 0% INTEREST-FREE CREDIT

Credit is subject to application, financial circumstances and borrowing history.
Terms & Conditions Apply.

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Interest free credit

0% APR Representative

Simply divide the loan amount by the term of the agreement and this will be your monthly repayment amount for the entirety of the agreement.

No interest or fees are payable with this option.

Representative Example

Purchase Price£10,000
Deposit£5,000
Amount of Credit£5,000
Representative APR0.0% APR
12 Monthly payments£416.66
Total payable£10,000
Credit is subject to status and affordability. Terms & Conditions Apply. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) Thistle House, Woodside Road, Bridge of Don, Aberdeen, AB23 8EF is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Thistle Artificial Grass Ltd (Financial Services Register No. 805140) is an Appointed Representative of Thistle Windows & Conservatories Ltd. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.
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Buy Now Pay Later (9 Months)

11.9% APR Representative

If settled in full within the 9 month deferral period then there is no interest to pay, however a £29 early settlement fee will apply.

If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period.

Interest will continue to be charged until the agreement is repaid in full.

Representative Example

Purchase Price£10,000
Deposit£1,000
Amount of Credit£9,000
Representative APR11.9% APR
120 Monthly payments£135.23
Fee if loan is settled in first 9 months£29
Total payable£17,227.60
Credit is subject to status and affordability. Terms & Conditions Apply. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) Thistle House, Woodside Road, Bridge of Don, Aberdeen, AB23 8EF is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Thistle Artificial Grass Ltd (Financial Services Register No. 805140) is an Appointed Representative of Thistle Windows & Conservatories Ltd. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.
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Monthly Payments

8.9% APR Representative

Interest is applied monthly. You must make the minimum repayment each month.

You can make additional repayments without penalty, which allows you to control the term of the loan and reduce the amount of interest you would pay.

Payments will start approximately one month after the contract we have fulfilled with you.

Representative Example

Purchase Price£10,000
Deposit£1,000
Amount of Credit£9,000
Representative APR8.9% APR
180 Monthly payments£88.93
Total payable£17,007.40

Credit is subject to status and affordability. Terms & Conditions Apply. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) Thistle House, Woodside Road, Bridge of Don, Aberdeen, AB23 8EF is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Thistle Artificial Grass Ltd (Financial Services Register No. 805140) is an Appointed Representative of Thistle Windows & Conservatories Ltd. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.
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3 Months Deferred Repayment (Option 1)

6.9% APR Representative

If settled in full within the 3 month deferral period then there is no interest to pay, however a £29 administration fee will apply.  This means that you would pay the amount of credit plus the administration fee.

If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period.

Interest will continue to be charged until the agreement is repaid in full.

Representative Example

Purchase Price£10,000
Deposit£1,000
Amount of Credit£9,000
Representative APR6.9% APR
60 Monthly payments£178.91
Total payable£11,734.60

Credit is subject to status and affordability. Terms & Conditions Apply. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) Thistle House, Woodside Road, Bridge of Don, Aberdeen, AB23 8EF is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Thistle Artificial Grass Ltd (Financial Services Register No. 805140) is an Appointed Representative of Thistle Windows & Conservatories Ltd. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.
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3 Months Deferred Repayment (Option 2)

6.9% APR Representative

If settled in full within the 3 month deferral period then there is no interest to pay, however a £29 administration fee will apply.  This means that you would pay the amount of credit plus the administration fee.

If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period.

Interest will continue to be charged until the agreement is repaid in full.

Representative Example

Purchase Price£10,000
Deposit£1,000
Amount of Credit£9,000
Representative APR6.9% APR
120 Monthly payments£104.25
Total payable£13,510.00

Credit is subject to status and affordability. Terms & Conditions Apply. Thistle Windows & Conservatories Ltd (Financial Services Register No. 729824) Thistle House, Woodside Road, Bridge of Don, Aberdeen, AB23 8EF is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Thistle Artificial Grass Ltd (Financial Services Register No. 805140) is an Appointed Representative of Thistle Windows & Conservatories Ltd. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC. Authorised and Regulated by the Financial Conduct Authority.

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