Finance Options to suit you.

We believe that everyone deserves to have their dream home.

That’s why we have partnered with Omni Capital Retail Finance Ltd, one of the UK’s fastest growing consumer credit providers to bring our customers some fantastic and competitive finance options.

If you’re building costs overrun or you think a new kitchen or bedroom will have to wait, then spreading the cost could be the solution.

We require as little as 10% deposit when choosing one of our payment plans and with Omni Capital you are protected under the Consumer Credit Act 1974 and have certain rights in the unlikely event that a problem should occur.

Interest Free Credit

Our interest free payment options are available on all bedrooms, all stand alone furniture and a selected range of kitchens. You can spread the cost of your purchase completely interest free over 12, 24 or 36 months. No interest is payable whatsoever and you can settle the loan early at any time, completely free of charge.

12 Months Interest free requires a 10% deposit.

24 Months Interest free requires a 20% deposit.

36 Months Interest free requires a 30% deposit.

Representative Example

Loan term 36 months  
Cash Price £10,000.00
30% Deposit £3,000.00
Outstanding Balance £7,000.00
Interest Free over 36 months  
Monthly repayments £194.44
Total Repayable £7,000.00

Interest Bearing Credit

Our interest bearing credit option is the most cost effective way to purchase your new kitchen or bedroom from Fine Finish Furniture.

This payment option allows you to spread the cost of your purchase over 24 to 120 months, and with no hidden fees or overpayment charges, it puts you in control of your monthly spending and allows you to choose the right term to suit your budget. You must make the minimum repayment each month. However, you can make additional payments and therefore control the length of the loan and the amount of interest you pay.

With this payment plan you pay a minimum deposit amount of 10%, then you choose a repayment period to suit you and your budget. Before applying we can show you a representative example of the monthly payment amounts for the various terms on offer.

This finance payment plan has a competitive rate of 7.9% APR representative. The average credit APR in the UK is around 12%. Interest is calculated daily on your outstanding balance. This means that you’re in control of the term of your loan and the total interest payable. Additional payments will reduce the term, and therefore, the total amount of interest paid.

You can also choose to settle your account at any time. Should you wish to settle early, simply call the finance provider and they will calculate your settlement figure.

Applying for one of our payment plans is quick and easy, it takes about 15 minutes.

Representative Example

Loan term 120 months  
Cash Price £10,000.00
10% Deposit £1,000.00
Outstanding Balance £9,000.00
Credit over 120 months  
Monthly repayments £107.30
Total Repayable £12,876

Credit is subject to application and status. Finance is available to a maximum loan value of £50,000.

Fine Finish Contracts Ltd is registered in England and Wales No 4494723. VAT Number 694281993. Trading Address is Unit 7, Bunny Trading Estate, Bunny, Nottingham, NG11 6QJ. Fine Finish acts as a credit broker (not as a lender) and offers credit products through a panel of lenders. Fine Finish is authorised and regulated by the Financial Conduct Authority (reference number 395174).

A few of our partners and suppliers

  • Second Nature
  • Sile stone
  • Abode taps
  • Villeroy & Boch sinks
  • Sensio Lighting
  • Zip Boiling taps
  • Kindred Fitted Bedroom Furniture

For more information on our finance options click here

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