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Idealkit Finance by Close Brothers Retail Finance

We know a new appliance can be a big investment, whether your old one has broken down or you're fitting out a new kitchen. That's why we offer the option to Pay on Finance with our partners Close Brothers. If you spend £349 or more online, (minimum finance must be for £250 or more) you can choose to spread the cost of your purchase over a time to suit you, whether it's 6, 12, 24, or 36 months. Just select the Pay on Finance option when you check out or use the application to be pre-authorised for an idea on how much you can borrow to complete a selection of products. 

 

It's as easy as:

Add your products to your basket

Select Pay on finance

Complete the easy online application

Representative Example (minimum finance is £250)

We want our Pay on Finance option to be as easy to understand and straightforward as possible. We've created the chart below to tell you how much you'll pay back per month. On selected products, Interest Free Options are part of specific promotions and only available on purchases over £675.

19.5% APR Finance Example

 

0% APR Finance Example

 

Cash Price

£350.00

Cash Price

£700.00

Deposit 10%

£35.00

Deposit 20%

£140.00

Loan Amount

£315.00

Loan Amount

£560.00

Loan Repayment

£382.93

Loan Repayment

£560.00

Cost of loan

£67.93

Cost of loan

£0.00

Total Amount Payable

£417.93

Total Amount Payable

£700.00

Monthly Payments

£15.96

Monthly Payments

£46.67

Number of Monthly Repayments

24

Number of Monthly Repayments

12

*Deposit and payment months

*Deposit and payment months

can vary dependant on package  chosen 

can vary dependant on package  chosen 

Finance Terms and Conditions

If your application is successful, your order will be available for immediate dispatch and delivery within 48 hours direct to your door.  Pay on Finance for interest-bearing credit products is available over 12, 24, or 36 months, subject to status. From time to time, we may offer an interest-free credit product over 6 or 12 month terms, at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, Close Brothers Retail Finance, if your application is successful you’ll enter into a credit agreement with Close Brothers Group PLC

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay in full for the product (unless your cancellation rights apply). 

FAQs

Who is eligible for finance?

Finance is available on orders of £349 or more, placed on our website. This amount includes any additional services and delivery options selected, however does not take into account any promotions, such as cashback.

You'll need to be:

18 years or older.

  • A UK resident for 3 years or more/Permanent UK resident.
  • Be able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Close Brothers Retail Finance - our 3rd party financial services provider - will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It’s important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:

  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • You’re existing account performance with other lenders.

If you wish to appeal the decision made by Close Brothers Retail Finance it’s advised you obtain an up to date copy of your credit report before appealing directly to Close Brothers Group PLC.  Due to data protection, all customer appeals must be email to CBRFcredit@closebrothers.com.

A little bit about Close Brother Retail Finance

Finance. Pure and simple.

We've teamed up with Close Brother Retail Finance to offer you a flexible and affordable option to pay on finance. Close Brothers Ltd are one of the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for many years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Close Brothers Retail Finance, which will be administered by Close Brothers Group PLC, which is authorised and regulated by the Financial Conduct Authority. Close Brothers Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 124750