| 0% APR | No deposit | Up to 36 monthly payments |
With more people buying garden furniture than ever before, searching for the perfect garden furniture set can be a difficult task. Paying for this luxury can also be a daunting thought.
At LuxuryRattan we’ve got you covered for all of your financing needs. We are regulated by the Financial Conduct Authority (FCA) and have trained advisors ready to talk you through our multiple finance options. We use a tiered panel of lenders, which means that we are able to offer funding for varied types of credit ratings. We offer finance options on all orders over £500.
PaybyFinance (Hitachi Capital)
Applying for finance couldn’t be easier – Our 0% finance up to 36 months option is integrated into our website calculator, giving you the ability to apply online and spread the cost of your order with a payment option that is comfortable for you. You can also spread the cost further with our 48 and 60 months repayment options at 14.9% APR.
PaybyFinance is our primary finance provider and is integrated into our website, look out for the PaybyFinance logo on product pages and the View Options button. You can easily switch between different finance options, including your deposit amount (which can be zero if you like). PaybyFinance is offered as a payment choice during checkout.
| Interest | Deposit | Payment Terms |
|---|---|---|
| 0% APR | No deposit | Terms up to 36 months |
| 14.9% APR | No deposit | Terms 48 and 60 months |
- Select pay with finance
Add the products that you wish to purchase to your shopping basket and proceed to checkout. Here you will see the finance option as a method of payment. - Online application
Select the repayment option that is suitable for you and complete a 60 second online application form. You will usually receive a decision within 30 seconds. - Documentation
If your application is approved, sign your electronic documentation, then sit back and wait for your furniture to be delivered.
Representative example - Interest Bearing Credit
| Order total | £699.00 |
| Deposit to pay (10%) | £69.90 |
| Loan amount | £629.10 |
| Customer admin fee | £0.00 |
| Term | 48 |
| Monthly payment | £17.19 |
| APR | 14.9% |
| Rate of interest | 14.9% |
Representative example - Interest Free Credit
| Order total | £699.00 |
| Deposit to pay (10%) | £69.90 |
| Loan amount | £629.10 |
| Customer admin fee | £0.00 |
| Term | 12 |
| Monthly payment | £52.42 |
| APR | 0% |
If your finance application is declined we can still help. Either contact our expert team on 0333 366 0019 or alternatively we will contact you within 48 hours to discuss our alternative lenders.
Snap Finance
Snap finance helps you get what you need and spread the cost. Interest free offers are available for all customers. If you’ve been refused credit we may still be able to help.
| Interest | Deposit | Payment Terms |
|---|---|---|
| 0% APR | Pay in 4 steps | Terms up to 24 months |
- Step 1
Contact our team of experts on 0333 366 0019 - Step 2
We will assess your eligibility depending on your circumstances - Step 3
If this is the right finance for you we will guide you through the application process
DivideBuy
DivideBuy offer a variety of repayment plans to suit your budget. From 2 to 12 months - it’s flexible and always interest free.
| Interest | Deposit | Payment Terms |
|---|---|---|
| 0% APR | Pay initial instalment | Terms up to 12 months |
- Step 1
Contact our team of experts on 0333 366 0019 - Step 2
We will assess your eligibility depending on your circumstances - Step 3
If this is the right finance for you we will guide you through the application process