Finance

BUY NOW, PAY LATER

With “Buy now, pay later” your first repayment will be due 12 months after the date of your delivery.
If you repay the loan in full before the date of your first repayment, you will not charged any interest.
If you repay part of the loan before the date of your first repayment, we will not charge interest on the part of the loan you repay. Once your payment is received, we will reduce your loan balance by the sum of the repayment plus the interest rebate.
If you make a full or partial settlement payment after the date of the first repayment, you will not be entitled to a refund of any interest incurred prior to the date the payment is received. You may be entitled to an interest rebate, which will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
Repayments are spread over 48 months. (The credit agreement is for 60 months).
The first repayment is classified as bing deferred for 12 months.
Fixed interest rate of 9.9% APR.
This option requires a minimum spend of £15,000 on Schmidt Kitchens.
Minimum 40% deposit required.
Finance is not available on our “Dry Fit” installation.”

Example

Cash Price

£20,000

Deposit

£8,000

Amount borrowed

£12,000

Repaid over

60 Months

Deferred for

12 Months

Interest rate

9.9%

Representative APR

9.9% APR

Interest payable

£4,481.25

Total repayable

£16,481.25

Monthly repayment

£274.69

Credit subject to status and affordability, Terms and Conditions apply. Design Your Lifestyle Warrington Ltd trading as Schmidt is a credit broker and is authorised and regulated by the Financial Conduct Authority.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Register No. 704348. The register can be accessed through http://www.fca.org.uk

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BUY NOW, PAY LATER | T&C’S APPLY

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