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Why not spread the cost?

At Firmfix we realised that to help our customers upgrade, develop and improve their homes, we needed to be able to help spread the cost as well. With that said, we now offer three different finance options that allow you to keep your savings untouched and make those important changes with affordable, monthly payments.

Interest Bearing Credit

To make our home improvement solutions as accessible as possible for all of our customers, whatever the reason, we interest bearing credit with low monthly payment at a rate of 9.9% APR, making the repayments on even the largest projects very affordable.

Representative example:

Cash price £3,000.00, Deposit £750.00, Amount of Credit £2,250.00; Rate of Interest 9.9% p.a. variable; 9.9% APR representative

24 monthly repayments of £103.29,
Total Amount repayable £2,478.96 (Plus deposit paid with order)

This example is based on a period of 2 years but longer periods are available for interest bearing.

Interest Free Credit

Enjoy the peace of mind that comes with knowing exactly where you are all of the time. The second spot in our new arsenal of payment options, with a fixed price that won’t accrue interest over time is our new Interest Free Credit. Spread the cost of your project over a period of up to 2 years and enjoy 0% Happiness.

Representative example:

Cash price £3,000.00, Deposit £750.00, Amount of Credit £2,250.00, Rate of Interest 0%

24 monthly repayments of £93.75,
Total Amount repayable £2,250.00 (Plus deposit paid with order)

Buy now Pay Later

Option three is designed to help those of you that want to make changes now but don’t have the finances to hand straight away. Our ‘Buy Now Pay Later’ package will give you access to funding in a way that works for you. Buy today and do not pay for your goods for 12 months.

With this option, Monthly payments will commence 12 months from the date of supply (and, if applicable, installation) of the goods/services and will be payable on the same day in each subsequent month. We will tell you the due date of the first repayment. If you settle the outstanding balance before the first repayment is due then we will waive all interest charges and just charge an administration fee of £29.00.

Representative example:

Cash price £3,000.00, Deposit £750.00, Amount of Credit £2,250.00; Rate of Interest 19.9% p.a. variable; 19.9% APR representative

48 monthly repayments of £78.46,
Total Amount repayable £3,766.08 (Plus deposit paid with order)

Who can apply for finance?

The applicant must be 18 years or over at the date of application and a permanent UK resident (minimum 3 years). They must also be one of the following:

• In regular, permanent employment working a minimum of 16 hours per week.
• Retired from regular employment (minimum age 50).
• Not working through disability self-employed armed Forces