Online Interest Free Credit

Barker and Stonehouse are pleased to offer our customers the option to purchase goods online using a simple monthly payment plan with no applied interest, on all basket values over £650. This service is provided by our finance partners, Creation Consumer Finance Ltd, and to take advantage of this method of payment, the following criteria must be met:

You must be aged between 18 and 80 years at the point of application
Be able to pay your deposit by debit or credit card online
Be in permanent full-time employment (over 16 hours per week), in permanent part time employment (under 16 hours a week), retired, in receipt of Disability Allowance or self employed
Been resident in the UK for at least 36 months and will continue your residency in the UK
Have Bank or Building Society current account details available to be able to complete the direct debit instruction
The furniture ordered must be delivered to your current home address

Applications can not be accepted if you are a student, or if you are unemployed.

If you wish to take advantage of this payment method, click on the ‘Buy on Finance’ button in your Shopping Basket and you will be taken through a simple process, whereby you pay your 20% deposit directly to us through our SagePay payment system, then are passed directly to your online finance application with Creation Finance Ltd.

Once you have completed all the relevant sections of this online finance agreement, a decision will be made by Creation Consumer Finance Ltd and if accepted, you will be invited to ‘esign’ your agreement online. In some case Creation will accept your agreement pending further checks. These checks may take up to 24 hours to complete. Once accepted a confirmation email will be sent to you, giving you the option to either complete your agreement by E-Signature or to manually print, sign and return your documentation to us for processing. Creation will forward a password for your account access by separate email for security reasons.

Your 14 day cooling off period starts the day after your E-Signature is completed on the credit agreement, or in cases where a physical signature has been made, the period starts the day after we receive back your agreement paperwork.

Your finance repayments will begin within 30 days of delivery of the first items of furniture in your order (in most cases we deliver your order in its entirety in one drop).

If your finance application is unsuccessful we will contact you separately and discuss other payment methods (such as card or bank transfer) in order to continue with your order. In the event that you wish to cancel your order, once you have informed us in writing (either by email or post) any deposit held, will be refunded back to your card (a process that can take up to seven working days).

The interest free credit advertised (0% APR representative) is provided solely by Creation Consumer Finance Ltd. It is provided subject to acceptance and the terms and conditions of Creation Consumer Finance Ltd. Written details on request. Licensed credit broker. Example Cash price £3,000, 20% deposit £600, Balance £2,400 = 10 monthly payments of £240. Total price paid £3,000

Creation Consumer Finance Ltd, 6 th Floor Royston House, 34 Upper Queen St, Belfast BT1 6FD

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