Gifts

General Information

Interest free credit is available on all purchases of £350 or more. You can apply online – it's quick, easy and you'll get an instant decision. Our online retail finance partner is Divido. Credit is provided subject to status.

Example Finance Options

Cash Price: £676.00
Deposit: £70.00
Credit Amount: £606.00
12 Monthly Installments of £50.50
Typical APR: 0%

How To Apply

Visit our web-site and select the items you wish to purchase. At the check out screen select "Finance" as your payment option.

It only takes a couple of minutes and you get an instant decision.

Criteria

To apply for finance you must meet the following criteria;

• You must be over 18 years of age.
• You must be a UK resident with at least 3 years continual address history.
• You must be in full time employment, unless retired or a house person with a spouse in full time employment.
• You must have a UK bank account capable of accepting Direct Debits.
• The goods must be delivered to your home address.

Benefits

• Interest free credit is available on all purchases over £350. 
• Buy the items you want now + accessories, all for a low monthly payment.
• Choose a higher-spec item for a few pounds more per month. 
• You can spread the cost of your purchase to minimise your monthly payments. 
• One-stop shopping: no need to go to a bank to secure funding. 
• Keep cash for day-to-day expenses. 
• Fixed repayments — your payments are fixed for the duration of the agreement allowing you to budget more effectively.

How Much Can I Borrow?

When checking out, just fill out our easy online application form and you can be approved for up to £5,000 to use for the item(s) you wish to purchase. The minimum order is £350.

Is A Deposit Required?

A minimum deposit of 10% is required and is payable by credit or debit card upon acceptance.

How Are My Monthly Payments Paid?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What Length of Repayment is Available?

You can currently choose a 6 or 12 month loan repayment period at 0% APR depending on the value of your order.

Can I Pay My Agreement Off Early?

You can settle your loan agreement at any time. Simply write to Shawbrook and they will calculate and send you, your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

Exclusions

0% Finance is currently not available for engines, gearboxes and any item that requires a deposit.
Available to retail customers only and excludes any other offers.

Finance Cancellations

You can return all the items ordered on finance and the policy can then be cancelled. This will incur a 10% handling fee to cover the cost of the finance agreement.

Finance Item Replacements

We will replace any faulty or damaged item ordered on finance free of charge.

Finance Item Cancellations

If you wish to cancel an item ordered on finance but keep the rest of the order, we will refund the cost of the item by means of a cheque and the finance agreement will remain in place between you and the finance company. A 10% handling fee will be charged to cover the cost of the finance agreement.