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FINTEST

Spending £550 to £749?

12 to 48 month payment plans at 9.9% APR

Learn More Interest-bearing plans provided by Hitachi Capital

Spending £750 and above?

18 month interest-free plan + longer plans

Learn More Interest-free plans provided by Hitachi Capital

Applying is fast and easy...

Calculate your order size

Decide on the item(s) you'd like and then calculate the total value. Then, use our handy calculator to show you the payment plan options you have.

Once you've chosen a payment plan, contact us with all the details and we'll send you a link to complete the finance application.

Complete finance application

Applying takes under 5 minutes for both finance options and you’ll usually receive a decision in under 30 seconds.

You'll then be asked for your card details to pay the deposit.

Get ready for delivery!

When the finance form is complete we’ll send you an order confirmation email and arrange delivery.

Frequently Asked Questions

How much will my repayments be?

We’re working on adding a small calculator to our product pages to show you exactly what your repayments will be. For now, just get in touch and we can send you a finance proposal by email or messenger. This will set out your monthly repayments, including any credit fees (APR). Representative examples can be found at the ‘Learn more’ links under each finance options above.

Why can I only arrange 0% interest for a maximum of 18 months?

Offering 0% finance over a longer term can cost us as much as 1/3 of the total order cost. That's why we've limited our 0% plans to 18 months on orders over £749. But... we do have the flexibility to create a custom payment plan, with interest-free payments lasting as long as 48 months. If you have a large order in mind (£2k+) and would like us to look at this for you, get in touch!

My order is discounted. Can I still get a 0% plan?

If you want to buy a sale or outlet item, or use a discount code, we can’t offer you the full 18 month interest-free plan (because of the cost to us). We can offer a shorter interest-free plan, though - just get in touch and we can advise you.

Why are only some plans available based on my spend?

In order to offer any of our finance plans, we have to subsidise part of their cost. That's why we can afford to offer more generous (interest-free) plans to customers placing larger orders.

Can I request delivery to an address other than my home?

No. In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Who is eligible for finance?

To increase the chances of acceptance, ideally, you will have a good credit history (no late payments, or County Court Judgments etc) and meet the following minimum criteria: be over 18 years of age; be working at least 16 hours per week; have 3 years of UK address history; have a UK bank account that can accept direct debits. Delivery must be to the address that you put on the finance application, which should match your bank account's billing address.

When can I expect delivery?

Deliveries for all orders are subject to the lead times shown on our website and the approximate delivery date shown on your order confirmation. However, for finance orders, once we have confirmation of approval there will be a 2 week processing period before we are able to release your goods. This overrides your approximate delivery date shown in your basket for any items that you ordered that were in stock and due for delivery in less than two weeks.

What if I want to cancel my order?

As we only start the payment plan after the 14 day returns period has passed, you will not be charged until we know you'll be keeping the item.

When will my repayments start?

Any deposit required will be taken upon ordering and our monthly repayments will begin two weeks after your items have been delivered.

How do I choose to pay in instalments?

Contact us by email, phone or messenger with details of your order and the length of time you'd like to make repayments over. We'll get straight back to you with some repayment options.

Can I pay off my finance plan early?

Yes! And there is no penalty charge or additional interest to pay - you just pay off the remaining balance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement, Shropshire Design and the finance processor will be notified and you need do nothing more.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. The credit scoring process does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with the reasons for the decline of your application, it is usually based on a combination of the following: your credit score; any adverse credit reference agency information; you are considered to be financially overcommitted; you are aged under 18; your existing account performance with other lenders.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.

What type of information do credit reference agencies hold about me?

The Money Advice Service has a really useful site that explains credit scoring - read their simple guide by searching online for 'Money Advice Service'.

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