0% Interest Free Finance Available

Thinking of choosing finance

Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online

First add the items you wish to purchase to your basket. When you reach checkout select the best finance option for you and choose ‘Pay with Duologi’. The quick application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision.

 

Check your eligibility

Before you apply please note you will only be considered for finance if you:

- Are at least 18 years old;

- Are in regular full or part-time employment (minimum 16 hours per week or £ 10,000 per annum, unless you retired and receiving a private/company pension or in receipt of disability allowance);

- Are a permanent UK resident and have lived in the UK for at least 3 years;

- Have a good credit history with no late payments. debt relief orders, CCJs, IVAs or bankruptcies.

 

Our Payment Options

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6 to 60 months The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

 

Finance Calculator

Use the finance calculator on our product detail page to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.
Representative examples could be based on the below:

0% finance over 12 months

 

Total order value = £600
10% deposit = £60
Total amount of credit = £540
Duration = 12 months
Representative APR = 0%
Interest charged = £0
12 monthly payments of = £45
Total amount payable = £600

17.9% finance over 12 months

 

Total order value = £600
10% deposit =  £60
Total amount of credit = £540
Duration = 12 months
Representative APR = 17.9%
Interest charged = £49.71
12 monthly payments of = £49.14
Total amount payable = £649.71

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Duoligi will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, Duoligiwill let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.


Repaying the loan

Your first direct debit payment will be taken approximately 15 to 30 days after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

 

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Duoligi or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
For any other questions call us on 01443 30 50 20 or email support@niture.co.uk

 

Legal Information

Niture Ltd is registered in England and Wales No 12132351. We are credit broker and only offer credit products from our panel of lenders.
Niture Ltd is authorised and regulated by the Financial Conduct Authority FRN953876. Credit subject to age and status.