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.
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% |
| Total amount payable | £825.12 |
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% |
| Total amount payable | £699.00 |
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. Littleborough Furniture Company Ltd, which trades under ‘Luxury Rattan’, acts as a credit broker and is regulated by the Financial Conduct Authority (FCA).
Customer Eligibility
- Minimum age of 18
- UK resident of more than 12 months
- Own personal bank account from which a direct debit can be taken
- Permanent employment, working minimum 16hrs per week
- Self employed
- Retired person
- On disability allowance
- Registered carer
- Unemplyed & 'house person' (with consent of co-habiting working partner)
Non Eligible
- Unemployed without a spouse/partner in full time employment
- Temporary positions or agency workers
- Unregistered childminders
- Foster carers without a spouse in full time employment
- Full time students (other than trainee nurses/doctors)
- Supply teacher without permanent contract to specific school
- Purchases of goods and/or services for business use
| Min £15 deposit | Up to 24 monthly payments |
Snap Finance - Repayment options to suit everyone
Representative 69.9% APR
* Interest is charged from the day your loan starts and will only be cancelled if you pay off the amount of credit advanced within the pay in 4 period.
Flexible repayment options available. Choose weekly, fortnightly, every four weeks or monthly.
Representative Example: Cost of Goods £915, Deposit £15, Amount of Credit £900, Annual Fixed Interest Rate 53.30%, Weekly Payment £14.22, Term 104 weeks, Total Payable £1493.88, Representative 69.9% APR
Who Are Snap Finance?
Snap Finance offer point of sale loans that are up to 24 months in term. With their Pay in 4 option, if you settle your loan within 4 months, then any interest you will have accrued will be cancelled!
They are flexible and your payments can be too. If life happens, you can just continue with your minimum payments over the full loan term.
Check Your Eligibility Without Affecting Your Credit Score!
Please note: A hard credit search will be required at point of completion of your loan.
What Is Pay In 4?
All Snap Finance loans come with the Pay in 4 option! If you repay the full amount back in 4 monthly instalments then any interest will be cancelled. If payday is right around the corner but your purchase can't wait, let Snap pay for it, then settle within 4 months!
*Interest is charged from the day your loan starts and will only be cancelled if you pay off the whole loan within the Pay in 4 period.
Eligibility Criteria
Please take a look at the criteria below that makes you eligible for a Snap! Finance loan today:
| 18+ | £200+ | DEBIT CARD | £15 | UK |
|---|---|---|---|---|
| OVER 18 YEARS OF AGE | INCOME PER WEEK | VALID DEBIT CARD TO SET UP A DIRECT DEBIT |
DEPOSIT PAID BY CREDIT OR DEBIT CARD |
UK RESIDENT |
There is a minimum £15 deposit if you're approved, but you won't need to pay that until you've chosen your items and are ready to sign the agreement.
This will be deducted from the total amount of the loan!
Representative Example: Cost of Goods £915, Deposit £15, Amount of Credit £900, Annual Fixed Interest Rate 53.30%, Weekly Payment £14.22, Term 104 weeks, Total Payable £1493.88, Representative 69.9% APR
Littleborough Furniture Company Ltd trading as Luxury Rattan is an Appointed Representative of Snap Finance Ltd who is authorised and regulated by the Financial Conduct Authority (Firm reference number 741813). Snap Finance Ltd’s permissions as a Principal Firm Allows (Littleborough Furniture Company Ltd trading as Luxury Rattan) to act as a credit broker, not a lender. Snap Finance Ltd act as the lender. Credit Subject to status. Terms and conditions apply.
Snap Finance Ltd is a company registered in England and Wales. Company Number 08080202 Registered address: Snap Finance Ltd, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 OAB
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