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Interest Free Finance
Our flexible finance option makes it easy to spread the cost of your furniture over 6, 10, 18, 24, 36, or 48 months with just a 10% deposit upfront. Available both in-store and online for orders over £500, it’s a simple and convenient way to manage your payments.
If you’re unsure which payment method suits you best, our sales team is happy to walk you through all available options and help you decide. If you opt for finance, they’ll guide you through the in-store application process, where you’ll receive an instant decision.
Applying online is just as easy. Once you’ve selected your items, choose the ‘Pay by Finance’ option, which will automatically calculate your deposit. After completing your purchase with the deposit payment, you’ll be redirected to the finance application form to submit for an instant decision.
All finance agreements are provided by Novuna Personal Finance, a division of Novuna Capital (UK) PLC, which is authorised and regulated by the Financial Conduct Authority—giving you confidence and peace of mind.
All you need to do is:
1
Add your chosen furniture to your basket with a value over £500 (excluding deposit and delivery charge).
2
Use our handy calculator at the checkout to select a monthly payment amount and period that suits you.
3
Fill in a few personal details including previous address, bank details, income, email, and landline phone number.
4
You'll then be taken to our trusted partners, where you can complete your online credit agreement and pay your deposit.
5
Once accepted, you’ll receive a confirmation email within 24 hours.
What are the options?
Interest Bearing Finance Example
All you need to do is:
Representative example:
| Cash Price | £5,000 |
| Deposit | £500 |
| Loan Amount | £4500 |
| APR Representative 9.9% | |
| Interest Rate 5.10% p.a. fixed | |
| Number of Payments | £144.11 |
| Monthly Payment | £150 |
| Total term of Loan Agreement | 36 months |
| Total Amount Payable | £5687.96 |
Need Help With Finance?
For more information and to find out if you’re eligible please call us on:
01252 372 949
0% Finance
Up to 18 months 0% APR representative interest-free finance.
Eligibility Criteria
Applications will not normally be accepted in the following circumstances:
Here are some of the most commonly asked questions regarding online finance:
How do I choose to pay by interest free credit when buying online?
When you buy online from Darlings of Chelsea Limited you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to ‘Pay by Finance’, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras. Credit subject to status and affordability. Terms & Conditions Apply. Darlings of Chelsea are a credit broker and are Authorised and Regulated by the Financial Conduct Authority. Credit is provided by Novuna Personal Finance, a division of Novuna Capital (UK) PLC, Authorised and Regulated by the Financial Conduct Authority.
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. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. 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, we will be notified and you need do nothing more.
If you decline my application, what is the reason?
If your application is declined, it may be due to issues with your credit history, affordability checks, or missing information. You may contact the lender to understand the reason in detail.
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years.
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.
Who is eligible to apply for online finance?
In order to apply for finance, you must be over the age of 18, work at least 16 hours a week or be retired with an income, and have lived in the UK for the last 12 months. Unfortunately, we are unable to offer online finance to residents of the Republic of Ireland.
Can I request delivery to an address other than my home?
To safeguard against fraudulent applications, we regret that we are only able to deliver goods to the home address of the applicant.
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