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What Is the Finance Option and How Do I Apply
Our finance payment plans are a simple and easy way to pay for our furniture. It is made from high quality natural materials, so the easiest way is to break the payments down. The first thing to do is head to the financial option on the checkout page, taking you to all our options.
To apply for the online finance options, you will need to work a minimum of 16 hours a week and have lived in the UK for 12 months or more.
Applying is a simple and easy process when you choose Chimes. Add your purchase to the online shopping basket, select the option you desire, and fill the application form out. Enter your details and we will do the legwork.
Next, read the finance agreement carefully and sign the agreement online, or print it and fit it in both boxes. Once the agreement has been signed and registered, your garden furniture will be dispatched and on its way. We want to make it a swift process, so a decision will be made within 60 seconds. If approved, we will get in touch with you to arrange a delivery between Monday - Friday.
What Happens After My Application Is Approved?
Once we review and approve your application, you will be given two options to sign and return your finance agreement. To sign it online, you will be given a PDF of the agreement, so read it carefully and then tick the relevant boxes. We will be notified, and you don’t need to do anything further.
However, if you decide to send the article manually, print it off and sign the document attached to the cover letter. It is essential to read the document carefully and sign it,m otherwise the product will not be delivered to the correct address. All the manual applications are received by our partners Novuna Personal Finance. When it has been approved, your garden furniture will be delivered promptly.
Is My Credit Score Going To Affect Me?
This is a valid question that most of our customers ask. But first, it is important to understand what a credit score is. A credit score is a process used by companies to look at the credit risk of new applicants. Your credit score is determined by age, income and your job occupation. We ensure that each applicant is treated equally and fairly, so you are not discriminated against by age, sex, race, and disability.
However, Novuna could decline the application based on several reasons. These could include a poor credit score rating, adverse credit information, or your existing account performance with other lenders. If your application is unsuccessful, we understand that this could be down to a change of circumstances. You can reapply, but it is best to wait 6 months between applications so we can process your claim.
What Is APR and Rate of Interest?
This is another question that we receive a lot. APR stands for annual percentage rate and reflects the rate of interest or charges which you have to pay. It is used to compare different offers to see which one is right for you.
Each APR is different because it varies from different lenders. At Chimes, all our products are interest-free, ensuring you will benefit from cheaper and affordable prices.
Take a Look At Our Finance Options Today
We hope that this article has helped you understand our finance options clearly and easily. It is an essential component in getting your rattan garden furniture on the cheap, ensuring a simple way of balancing the books.
If you want to find out more about our finance options, our friendly team is on hand to assist you. At Chimes, we offer a friendly and knowledgeable service that answers by question you have. Give us a call at 01268 219969 or get in touch through our online contact form today. We are here to help with any problems.
With a bespoke and varied range of rattan garden furniture available at competitive prices, there is something that is right for you. Get in touch with Chimes to learn more.