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Interest Free Finance Example
Up to 36 months 0% APR representative interest free finance.
Spread the cost with our interest free finance available online and in store.
Our simple finance options allow you to spread the cost of your purchase over 6, 12, 24 or 36 months
All you need to do is:
- Spend a minimum £500 and above
- Place a 0% deposit
- Minimum finance amount after deposit £500.01 and above
These 4 simple finance options help you spread the cost of your purchases.
- 6 months interest free finance on orders Min of £500 and up to £1,000
- 12 months interest free finance on orders Min of £1,000.01 and up to £3,000
- 24 months interest free finance on orders Min of £1,000.01 and up to £7,500
- 36 months interest free finance on orders Min of £3,500.01 and up to £15,000
The table below shows you how much the monthly repayments will be based on the total order value.
| Order Value | Term (Months) | Deposit (0%) | Monthly Payments |
|---|---|---|---|
| £1000 | 12 | £0 | £83.33 |
| £2000 | 24 | £0 | £83.33 |
| £3000 | 36 | £0 | £83.33 |
Buy Now Pay Monthly
- 48 months 14.99% APR finance on orders Min of £1,000 and up to £15,000
- 60 months 14.99% APR finance on orders Min of £1,000 and up to £30,000
Finance FAQ
How do I choose to Pay by Finance?
Just select the finance option on the checkout payment page. Then follow teh link on the thank you page by clicking on the black button PaybyFinance. Once signed and agreed we will then contact you to take payment for the 0% deposit before the order is shipped.
Who is eligible to apply for online finance?
To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.
Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered. For buy now pay later agreements the monthly repayments will start 12 months after delivery.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Applying for online finance
Applying for online finance couldn't be easier or more convenient. When you buy online from icontiles.co.uk you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
Your questions answered
Here's some of the most commonly asked questions regarding online finance.
How quickly will my finance application be approved?
All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery. If you your application is referred ideal4finance’s Underwriting Team will review your application and may request some further information from you before making their decision.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the finance agreement Icontiles.co.uk will be notified and you need do nothing more.
If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by ideal4finance. Shipment of your goods will follow soon after your agreement has been returned and received.
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 online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.