Our FINANCE PLANS
Pay in 4 parts, taken each fortnight
- 0% interest payments
- Short term - 4 equal payments over 6 weeks
- First payment (25%) taken upfront
- See your 4 payments calculated under each item's price
- Apply online in minutes
Learn More Short-term payment plans provided by Zip
0% and 5-year finance is available
- Low interest plans for up to 5 years with no deposit
- or 0% interest payments for up to one year on orders of £800+
- Apply online in minutes
- Call or email for better, tailored finance options for orders of £2,000+
Learn More Longer-term plans provided by Duologi
Whichever finance option you choose, applying is easy...
Build your order and checkout
Choose the items you want to buy and add them to your cart. Checkout and when you’re asked to choose a payment option, click the relevant finance option.
Complete finance application
Once the order is created you will proceed to the finance form. This takes under 5 minutes to complete and you’ll usually receive a decision in 30 seconds.
If you’re putting a deposit down, you'll be asked for your card details here.
That's it! When the finance form is complete we’ll get on and arrange delivery.
Frequently Asked Questions
Why can I only arrange 0% interest for a maximum of one year and on orders of £800+?
Offering 0% finance over a longer term can cost us as much as 30% of the total item cost. That's why we've limited our 0% plans to 12 months and on orders over £800 online. But... we do have the flexibility to create a custom payment plan, with interest-free payments lasting as long as 60 months. If you have a large order in mind (£2k+) and would like us to look at this for you, get in touch!
What repayment plans are available to me?
Based on your spend, a small calculator appears alongside each item on our site. Use this to work out the monthly cost of each plan available to 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 (longer-term) plans to customers placing larger orders.
Why do you use two finance providers?
We've tried to offer the greatest choice of repayment options so have partnered with Zip and Duologi. Zip offers short term repayment options for orders as little at £40, while Duologi can provide a range of flexible payment plans worth up to £15,000.
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 instalment plan after the 14 day returns period has passed, you will not be charged until we know you'll be keeping the item.
How much will my repayments be?
That's easy. A small Duologi 'widget' next to the product's price can help you to work out how much your monthly payments could be. You can use it to adjust your instalment length and deposit to find the right monthly payment for you. The cost of credit is free for instalment plans of 6 and 12 months, but you need to put down a minimum deposit of 10%. For longer plans of up to 5 years, a starting rate of 9.9% interest applies and you don't need to put down any deposit.
When will my repayments start?
Any deposit you want to put down 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 are no penalty charges 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 Duologi 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'.