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Interest Free Finance

Available both in store and online for orders over £2000, our finance option is a great way of spreading out the cost of your furniture over 12 or 24 months, paying a deposit of just 20% upfront.

If you’re unsure about which payment method is best for you, your salesperson will be happy to go through the all of the options and how they work, to help you come to a decision about which one is right for you. And, should you choose to pay by finance, they’ll go through the application process with you in-store where you will receive an instant decision.

You can also apply for finance online, which couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply select the ‘pay by finance option’ which will automatically calculate your deposit. Once you have completed the purchase, paying the deposit only, you will be redirected to the finance application form which you can complete online and submit, for an instant decision.

Our finance agreements are provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC, Authorised and Regulated by the Financial Conduct Authority, offering you trust and reliability in your credit agreement.

All you need to do is:

  • Spend a minimum £2,000 and above
  • Place a 20% deposit
  • Minimum finance amount after deposit £1,600 and above

We offer 2 simple finance options to help you spread the cost of your purchases

  • 12 months interest free finance on orders of £2,000 and above
  • 24 months interest free on orders of £6,000 and above

The table below shows you how much monthly repayments will be based on the total order value.

Order ValueTerm (months)20% DepositMonthly Payment
       
£2,000 12 £400 £133.33
£4,000 12 £800 £266.67
£6,000 24 £1,200 £200
£8000 24 £1,600 £266.67

Representative Example:

  • Cash Price £2,000.00
  • Deposit £400.00
  • 0% APR representative
  • Interest rate 0% fixed
  • Number of Payments 12
  • Monthly Payment £133.33
  • Total Amount payable £2,000.00

Credit Advertised is provided by Hitachi Personal Finance, A division of Hitachi Capital (UK) PLC. Authorised and Regulated by the Financial Conduct Authority.

Need Help With Finance?

for more information and to find out if
you're eligable please call us on 020 7371 5745

0% Finance

Up to 24 months 0% APR representative
interest free finance

Eligibility Criteria

To be eligible to pay by finance for you furniture, you must meet the following criteria:

  • Be 18 years of age or above;
  • You or your partner are in permanent paid employment (over 16 hours per week), retired (receiving a pension) or self employed
  • Been resident in the UK for at least 12 months and will continue your residency in the UK
  • Have Bank or Building Society current account details available to be able to complete the direct debit instruction

Applications will not normally be accepted in the following circumstances:

  • If you and your partner are unemployed
  • Students
Here are some of the most commonly asked questions regarding online finance:
HOW DO I CHOOSE TO PAY BY INTEREST FREE CREDIT WHEN BUYING ONLINE?

When you buy online from Darlings of Chelsea Limited you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to ‘Pay by Finance’, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

WHEN DO MY REPAYMENTS START?

Your monthly repayments will begin one month after your purchase has been delivered.

ARE THERE ANY ARRANGEMENT FEES OR HIDDEN EXTRAS FOR CREDIT?

No. There are no arrangement fees or hidden extras.

Credit subject to status and affordability. Terms & Conditions Apply. Darlings of Chelsea are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC, Authorised and Regulated by the Financial Conduct Authority.

ONCE MY APPLICATION IS APPROVED, WHAT HAPPENS NEXT?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement.

If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. 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, we will be notified and you need do nothing more.

If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

WILL YOU CREDIT SCORE ME AND IF SO, WHAT DOES THIS MEAN?

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 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. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

IF YOU DECLINE MY APPLICATION, WHAT IS THE REASON?

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 specific reason for declining your application, it is usually based on one, or more, of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders
WHAT TYPE OF INFORMATION DO CREDIT REFERENCE AGENCIES HOLD ABOUT ME?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

HOW DO I OBTAIN A COPY OF THIS INFORMATION?

You can contact a credit reference agency to obtain a statuary credit report from. There is a £2 charge for this. There are three main credit reference agencies in the UK:

  • Equifax - http://www.equifax.co.uk/
  • Experian - http://www.experian.co.uk/
  • Callcredit - http://www.callcredit.co.uk/consumer-solutions
IF MY APPLICATION IS NOT SUCCESSFUL, CAN I RE-APPLY?

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.

WHO IS ELIGIBLE TO APPLY FOR ONLINE FINANCE?

In order to apply for finance, you must meet our eligibility criteria. In order to be eligible you must be over the age of 18, you or your partner must work at least 16 hours a week, or be retired with an income and you must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of the Republic of Ireland.

CAN I REQUEST DELIVERY TO AN ADDRESS OTHER THAN MY HOME??

In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to the home address of the applicant.

For further information on our finance options, please see our terms and conditions.

For help with your finance please call us 020 7371 5745.

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