amor interiors finance:
At amor interiors you can spread the cost of buying any of our beautiful products with four finance options 12 months Interest Free Credit (0% Apr), 24months 4.9% Apr and 36 or 48 months 14.9% Apr. We offer finance for single or multiple items totalling £300 or more. For example, you can buy your sofa, curtains, carpet, wallpaper & Paint and put all of the products on one finance transaction or any single item over £300. To apply for Interest Free Credit or our other three finance options visit our design centre in Sudbury where one of our advisers will be happy to take you through the short, simple application process.
Q. Do I need to pay a deposit ?
On all of our finance Options a minimum 10% deposit is required, you can increase the deposit amount if you wish. The minimum amount of finance you are required to have is £300 where the deposit would only be £30.
Q.When do I have to start paying ?
Your monthly instalments start one month after your goods are delivered.
Q.How do I apply for Interest Free Credit ?
Pop into our design centre in Sudbury and one of our advisers will be happy to take you through the short application process.
Q.Am I eligible ?
To apply for finance you must be: At least 18 years old. A permanent UK resident. In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment. In receipt of a pension if you are retired. Able to confirm sufficient income if you are registered disabled.
Q.Who provides the finance ?
Our finance is supplied by Close Brothers Retail Finance.
Q.Can my order be sent to a different address ?
Yes you can. Simply call close brothers retail finance on 0844 880 6542 and they will help arrange this with you.
Q.When do i start to pay ?
You don't start paying for finance until a month after the date of delivery of your order.
Q.How much can I borrow ?
The minimum lending amount in addition to the upfront deposit is £300 (total purchase price of £400 with 25% deposit). The maximum loan amount is £25,000.
Amor Interiors act as credit intermediaries and offer credit products provided by Close Brothers Limited trading as Close Brothers Retail Finance.
Q.Who are Close Brothers Retail Finance ?
Close Brothers Retail Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group PLC. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
Q.What is the APR ?
The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.
Q.Can I cancel the credit agreement ?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the Close Brothers Retail Finance notice in writing or by telephone or email. Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please post it to Close Brothers Retail Finance. Please allow 10 working days from the day you post the cheque to allow time to process the payment.
Close Brothers Retail Finance
St Davids Park
Telephone: 0844 880 6542
Q.Are there any other charges ?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Close Brothers Retail Finance may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.
Q.What is the repayment schedule ?
You can arrange finance for 12, 24, 36 and 48 months.
Interest Free Credit available up to 12 months on any single or multiple purchases of £300 and above. Minimum 10% deposit required. Typical example purchase price £2000, deposit £200, balance £1800 - 12 equal monthly payments of £150.00, 0% APR representative. Credit is provided subject to acceptance by an external finance company. Not available for any in-store concessions.
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