Finance terms and conditions

Interest-free credit—no deposit—0% APR representative

Spread the cost of your order with interest-free credit by Barclays Partner Finance. You can choose your monthly repayment amount or loan length, meaning you can spread your interest-free repayments over 6–24 months.

Interest-free finance is available when you spend between £250 and £5,000 in a single transaction or between £250 and £15,000 for qualifying Design and Installation orders, subject to application, financial circumstances and borrowing history.

Choose Barclays Partner Finance at the checkout page to select the monthly repayment amount and loan length you prefer:

• Spend between £250 and £500 and you can pay off the cost over a period of 6 months.
• Spend between £500 and £750 and you can pay off the cost over a period of 6 or 12 months.
• Spend between £750 and £1,000 and you can pay off the cost over a period of 6, 12 or 18 months.
• Spend between £1,000 and £5,000 and you can pay off the cost over a period of 6, 12, 18 or 24 months.

Please see the representative example below to see how much the finance should cost (example below based on average cost). Victoria Plum Limited acts as the credit broker and not the lender. Barclays Partner Finance acts as the lender.

The approval of your application depends on your financial circumstances and borrowing history.

To choose this option, please select Barclays Partner Finance on the checkout page. Please enquire online about Design and Installation orders.

Who can apply for finance?

On the date of your application, you must:

• Be 18 years of age or over
• Have been a permanent UK resident for the last 3 years
• Not be subject to bankruptcy or a Debt Relief Order (or Scottish equivalent)

The credit check carried out will consider additional information relating to the performance of previous or existing commitments and any county court judgements.

You must also be one of the following:

• In permanent employment which provides regular sustainable income of at least £6,000 per year
• Self-employed (upon request you may need to provide proof of income, for example a recent bank statement and/or SA302)
• Retired from regular employment (you may need to provide proof of your pension or income)
• Receiving certain DWP (Department for Work and Pensions) benefits that provide regular sustainable income

You must also have:

• A UK bank account from which Direct Debits can be taken
• A mobile number
• An email address

A valid mobile number and email address are mandatory for applying for a finance application. If you do not have a valid email address, you will not be able to apply for the finance.

This is subject to application, financial circumstances and borrowing history. If you do not have a valid email address, you will not be able to apply for finance. You must not substitute an email address, e.g. using the email address of a friend or partner.

You may also want to...

• Read full details on use of information and data protection
• See our delivery information page

Victoria Plum Limited, Unit 2, First Point Business Park, Water Vole Way, Doncaster DN4 5JP, registered number 04177694, acts as a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority for consumer credit activities with registration number 734559. Victoria Plum Limited offers products from a range of finance providers.

Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays Group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753). Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP.

Finance is not available to trade customers.