Are you hankering for a Hatfield Sofa? maybe you’ve been pining over a Paris Bed or eyeing up some Eichholtz furniture. Whatever you’re looking for, we’ve made it easier to spread the cost with up to 11 months 0% APR Interest Free Finance.
If your minimum spend is £1250.00 and you’re happy to pay an up-front deposit of 25%, you can apply for financing through our partner, etika Finance UK Ltd, with payments spread over either 6 or 11 months. Please note that we are unable to offer any interest free finance on sale, clearance and discounted items. Finance will only be available to you when a minimum basket value of £1250 has been reached with non-reduced (non-sale) items.
So when it comes to buying that Emerald Green Hatfield Sofa which costs £2615.00, you would pay a 25% deposit of £653.75 upfront, followed by:
6 monthly payments of £326.88 at 0% Interest – total payable £2615.00, or
11 monthly payments of £178.30 at 0% Interest – total payable £2615.00
Our online application process is super simple. It takes around five minutes to complete, with a decision often being made about 30 seconds after completion.
Who is Eligible for Finance?
Applying for an installment plan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history (no late payments, CCJs, etc) and meet the following minimum criteria:
Have a basket value of over £1250 (excluding sale/reduced items)
Be over 18 years of age and employed at least 16 hours per week
Have 3 years continuous UK address history
Have a UK bank account that accepts direct debits
Delivery address must match the one that you put on the finance application, which should match your bank account's billing address.
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Sweetpea & Willow will be notified and you need do nothing more.
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. The credit scoring process does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based a combination of the following:
Your credit score
Any adverse credit reference agency information
You are considered to be financially over-committed
You are aged under 18
Your existing account performance with other lenders
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.
etika is a suite of products offered by etika Finance UK Ltd, a company authorised and regulated by the Financial Conduct Authority. etika Finance UK Ltd is a UK registered company, registration number 7440512 with registered offices at Suite 2.01, c/o Colony, One Silk St, Ancoats, Manchester, M4 6AG
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*Cannot be used in conjunction with any other offers or promotions, or against orders delivered outside the UK. Excludes selected items.