Interest Free Credit

An easier way to purchase

We are able to offer 0% deals for 6 and 12 months on all of our products.

Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online.

The easy application form takes no more than two minutes to complete and you’ll receive an instant decision.

Check Your Eligibility

Qualifying for finance is easy, you just need to meet the following requirements:

  • Are at least 18 years old
  • Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

 

Our Payment Plan Options

We offer a range of interest-free finance options to help you spread the cost of your purchase over 6 or 12 months. The minimum value of the loan is £1000.00 and you can choose a deposit between 10 and 50%.

Representative example would be:

0% finance over 12 months

  • Total order value = £1000
  • 10% deposit = £100
  • Total amount of credit = £900
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £75
  • Total amount payable = £1000

Finance Calculator

How much you'd like to borrow
Enter the amount you'd like to borrow at 0%
£1000 £10000
How long would you like to repay
6 months
12 months
  • Interest rate:
Your repayments are every months at
Your initial deposit (10% of amount borrowed)
Total amount of credit:
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Paying with Finance

Finance is only available for DIY installations – Once you have worked with our designer to get the exact solution you want simply tell us you would like to use the finance option to pay for it.

We will provide you with the online application form, which takes a couple of minutes to complete and then you will receive an instant decision.

 

Finance Decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and the process is complete.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

 

Repaying the Loan

Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.

 

Cancellation

A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and Duologi will refund your deposit. They will let you know of any outstanding balance if applicable.

 

The Legal Bit

Shadeplus act as a credit intermediary. Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. The decision to offer you credit will be based on your personal credit history and Duologi’s credit decision policies.

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (company number 10664999) and authorised and regulated by the Financial Conduct Authority (register number 774712). For more information please go to www.Duologi.com/faq or visit www.Duologi.com.