Interest Free Finance

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.

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

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.

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.

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.

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

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.

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

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.

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.

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.