At WarmFloors Online, we've put together a range of special finance options that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative.
WarmFloors online finance is the convenient way to get your hands on the products you want today without breaking the bank! In short, our online finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget. Read on for more information, including specific examples and your questions answered.
We can offer you credit options ranging from 6 months to 36 months, all you need to do is get in touch and we will find a deal to suit you.
Example's of credit:
Example 1:
NO DEPOSIT, NO FEE, BUY NOW PAY 9 Months LATER @ 26.8% APR (Typical) available on orders over £500.00 Take advantage of nothing to pay and no interest charges for 9 months. At the end of the 9-month period, you are in control and you can either pay off the amount in full and pay no interest, or spread the cost with 6 monthly payments.
Typical example: Cash Price £599.99 plus acceptance fee £195.00 = £794.99 pay nothing for 9 months and pay the balance in full within the 9 month period at APR 0% = £794.99 or at the end of the 9 month period pay the balance of in 6 monthly payments of £141.92 Total amount payable £851.51 Typical APR 26.8% We can also offer the following finance deals for example.
Example 2:
NO DEPOSIT 18 Month Interest Bearing Personal Loan @ 26.8% APR (Typical) available on orders over £500 Spread the cost of your purchase and start paying straight away for your peace of mind with our monthly payment scheme!
Typical example: Cash Price £599.99 plus acceptance fee £195 = £794.99 paid over 18 months at APR 26.8% = 18 monthly payments of £53.02 Total amount payable £954.36 Typical APR 26.8%
Your step by step finance application guide.
- 1. Browse our Online shop
- 2. Add an underfloor heating system to your basket (minimum of £500.00 spend)
- 3. Click 'Go to checkout'
- 4. Check the contents of your basket are correct.
- 5. Click 'Proceed to checkout'
- 6. Fill in your personal and delivery details and then click the 'Apply for credit securely' button.
- 7. On the credit application form, choose your preferred finance option and fill in all the requested information.
- 8. Submit the application form and wait for approval. If approval is granted you will receive a further basic application form through the post for you to fill in and sign. Once we receive the signed and completed application form we will deliver your underfloor heating system.
In order to apply for credit with WarmFloors, you must:
- 1. Be 18 years or over at the date of the application
- 2. Be permanent UK resident (Minimum 3 years)
- 3. Be in regular employment (16 hours or more per week)
- 4. Have no history of adverse credit (e.g. County Court Judgments)
- 5. OR self-employed
- 6. OR retired, in receipt of a private pension
- 7. OR in receipt of long term invalidity/disability benefit
- 8. If in armed forces their Service Number is required
Credit subject to status to UK residents aged 18 years or over. Credit arranged by Zebra Finance Ltd, Unit 1 Heritage Business Centre, Derby Road, Belper, DE56 1SW
All finance packages exclude insulation boards bought without a heating kit.
Credit FAQ
How quickly will my application be processed?
If your application is received between 9am and 4.30pm, Monday to Friday, then in the majority of cases, WarmFloors will provide you with a decision within a matter of minutes. If you submit your application outside of these hours, then WarmFloors should provide a response the next day. We will contact you to confirm the status of your application as soon as we've processed it.
Once my application is approved, what happens next?
If your application is approved, we will post out hard copies of your agreement to be signed by you. All agreements are supported with a copy of our terms and conditions. Once received, you'll need to read the agreement carefully, then sign and return it via the prepaid envelope along with proof of your identity, once we have received these we will post back your documentation and ship the goods. Note that shipment of your goods will follow as soon as your signed agreement has been returned to WarmFloors.
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 finance. Credit scoring works by awarding points for each answer given on the application form such as age and occupation, together with information obtained from credit reference agencies. This information allows Zebra to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.
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 a main reason for decline of your application, it is usually based on one, or a combination of the following:
- Your credit score (note that every finance company will score you differently
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgments 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. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You can obtain your information about your own credit file and also find out more about credit decisions by visiting the credit reference company websites:
- www.experian.co.uk
- www.equifax.co.uk
- www.callcredit.co.uk
Who is my credit agreement actually with?
Your finance agreement will be with one of the UK's leading financial services companies.
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 finance?
To apply for Finance, you must be at least 18 years of age, work at least 16 hours a week, or be retired or disabled with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Homemakers aren't excluded from application under their own names; however we will require the employment status of your partner in order to process your application.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
