Prestons Kitchens | German Kitchens for Less

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Finance Options

[/vc_column_text][vc_empty_space height=”30px”][vc_column_text]We make the process of buying a new kitchen as easy as possible with our four finance options – Interest free credit, pay monthly finance, buy now, pay later and pay upfront.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column offset=”vc_hidden-lg vc_hidden-md”][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_top=”50″][vc_column_inner][vc_column_text]

Finance Options

[/vc_column_text][vc_empty_space height=”30px”][vc_column_text]We make the process of buying a new kitchen as easy as possible with our four finance options – Interest free credit, pay monthly finance, buy now, pay later and pay upfront.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column offset=”vc_hidden-sm vc_hidden-xs”][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_top=”50″ padding_bottom=”30″][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

0% Interest Free Finance

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]Available on all kitchens

Up to 4 years IFC
Loan amount from £3000 – £25000

Credit is subject to status and affordability.

EXAMPLE

SALE VALUE £8000.00
DEPOSIT £800.00
LOAN VALUE £7200.00
FINANCE TERM 48 MONTHS
INTEREST RATE 0%
MONTHLY REPAYMENT £150.00[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][/vc_column_inner][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

Pay Monthly Finance

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Spread the costs from 1 year to 10 years
9% APR monthly payments

Credit is subject to status and affordability.

EXAMPLE

SALE VALUE £6000.00
DEPOSIT £600.00
LOAN VALUE £5400.00
FINANCE TERM 84 MONTHS
INTEREST RATE 5.9%
MONTHLY REPAYMENT £64.28
MONTHLY INTEREST RATE £3.79[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_bottom=”50″][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

Buy Now, Pay Later

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]Available on all kitchens

Get the use and value of your new kitchen now
Pay a deposit and nothing for 6 months or 12 months
Early settlement- no interest to pay, just £29.00 admin fee.

IF THE CLIENT DOES NOT WISH TO SETTLE THE BALANCE AFTER THE DEFERRED PERIOD A FINANCE TERM WILL BE APPLIED 9.9% OVER A 48 MONTH AGREEMENT.

EXAMPLE

SALE VALUE £9000.00
DEPOSIT £900.00
LOAN VALUE £8100.00
FINANCE TERM 48 MONTHS
INTEREST RATE 9.9%
MONTHLY REPAYMENT £185.45
MONTHLY INTEREST RATE £18.36[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][/vc_column_inner][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

Pay Upfront

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]Available on all kitchens

Pay a deposit
Clear the remaining balance prior to your kitchen delivery date
Choose to pay either by credit card or BACS transfer.

EXAMPLE

SALE VALUE £11000.00
DEPOSIT £500.00 ON DAY OF SALE
DEPOSIT £5250.00 ON DAY OF KITCHEN ORDER
DEPOSIT £5250.00 PRIOR TO DELIVERY[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_bottom=”50″][vc_column_inner][vc_column_text]Important: Interest is calculated from the start of the agreement, which means interest will accrue during the holiday period

The approval of your application depends on your financial circumstances and borrowing industry. Prestons Kitchens act as a credit broker and not a lender.

Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column offset=”vc_hidden-lg vc_hidden-md”][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_top=”50″][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

0% Interest Free Finance

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]Available on all kitchens

Up to 4 years IFC
Loan amount from £3000 – £25000

Credit is subject to status and affordability.

EXAMPLE

SALE VALUE £8000.00
DEPOSIT £800.00
LOAN VALUE £7200.00
FINANCE TERM 48 MONTHS
INTEREST RATE 0%
MONTHLY REPAYMENT £150.00[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][vc_empty_space height=”30px”][/vc_column_inner][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

Pay Monthly Finance

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]

Spread the costs from 1 year to 10 years
9% APR monthly payments

Credit is subject to status and affordability.

EXAMPLE

SALE VALUE £6000.00
DEPOSIT £600.00
LOAN VALUE £5400.00
FINANCE TERM 84 MONTHS
INTEREST RATE 5.9%
MONTHLY REPAYMENT £64.28
MONTHLY INTEREST RATE £3.79[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][vc_empty_space height=”30px”][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_bottom=”30″][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

Buy Now, Pay Later

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]Available on all kitchens

Get the use and value of your new kitchen now
Pay a deposit and nothing for 6 months or 12 months
Early settlement- no interest to pay, just £29.00 admin fee.

IF THE CLIENT DOES NOT WISH TO SETTLE THE BALANCE AFTER THE DEFERRED PERIOD A FINANCE TERM WILL BE APPLIED 9.9% OVER A 48 MONTH AGREEMENT.

EXAMPLE

SALE VALUE £9000.00
DEPOSIT £900.00
LOAN VALUE £8100.00
FINANCE TERM 48 MONTHS
INTEREST RATE 9.9%
MONTHLY REPAYMENT £185.45
MONTHLY INTEREST RATE £18.36[/vc_column_text][/qode_elements_holder_item][/qode_elements_holder][vc_empty_space height=”30px”][/vc_column_inner][vc_column_inner width=”1/2″][qode_elements_holder background_color=”#f5f5f5″ number_of_columns=”one_column”][qode_elements_holder_item advanced_animations=”no” item_padding=”30px 30px 30px 30px”][vc_column_text]

Pay Upfront

[/vc_column_text][vc_empty_space height=”20px”][vc_column_text]Available on all kitchens

Pay a deposit
Clear the remaining balance prior to your kitchen delivery date
Choose to pay either by credit card or BACS transfer.

EXAMPLE

The approval of your application depends on your financial circumstances and borrowing industry. Prestons Kitchens act as a credit broker and not a lender.

Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered Office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” background_color=”#f5f5f5″][vc_column][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_top=”50″ padding_bottom=”50″][vc_column_inner][vc_column_text]

Faqs

[/vc_column_text][vc_empty_space height=”50px”][qode_accordion style=”toggle”][qode_accordion_tab title=”Deferred Period?”][vc_column_text]This is the agreed time frame that the customer has to settle their outstanding balance in full without incurring any interest charges. If they opt to do this they will just pay an early settlement fee of £29 in addition to the loan amount.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”When do my repayments start?”][vc_column_text]Payments will begin one month after the goods have been delivered.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Can I change my payment date?”][vc_column_text]Customers can change their payment date once they have received their welcome documents.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Can I make additional payments?”][vc_column_text]Yes, customers can make additional payments at any time free of charge.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Can I change my Direct Debit details?”][vc_column_text]Yes, please call our Customer Service team on 0344 375 5500 to discuss this in further detail.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”How do I view my balance?”][vc_column_text]The quickest and easiest way for customers to view their balance is by managing their account online. Customers can create an account or access a pre-existing account at https://my.novunapersonalfinance.co.uk/oss2/customer/[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Who is eligible to apply for online finance?”][vc_column_text]To apply for 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 finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however, your spouse/ partner’s employment details will be required to process your application.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Are there any arrangement fees or hidden extras for credit?”][vc_column_text]No. There are no arrangement fees or hidden extras.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Applying for finance”][vc_column_text]Applying for finance couldn’t be easier or more convenient. When you buy from us you have the choice of using finance and our staff will talk you through what is needed to process an application.

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 electronically sign the agreement or print.

Your purchase can proceed after receipt of your finance agreement and a few additional checks.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”How quickly will my finance application be approved?”][vc_column_text]All finance decisions will be made within seconds. Once you are approved, we will contact you (during working hours) to finalise your purchase. If your application is referred, Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Once my application is approved, what happens next?”][vc_column_text]Within minutes of your application being approved, you will be presented with the option to e-sign your 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. A copy of your credit agreement will be emailed to you once the e-signature has been completed.

Once you have agreed to the terms of the finance agreement the retailer will be notified and you need do nothing more.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”Will you credit score me and if so, what does this mean?”][vc_column_text]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.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”If you decline my application, what is the reason?”][vc_column_text]In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

Your credit score (please note that every finance company will score you differently)
Adverse credit reference agency information
You are considered to be overcommitted
You are aged under 18
Your existing account performance with other lenders

[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”What type of information do credit reference agencies hold about me?”][vc_column_text]Some of the information is public information, for example, electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them. For instance, this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”How do I obtain a copy of this information?”][vc_column_text]Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”If my application is not successful, can I re-apply?”][vc_column_text]Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.[/vc_column_text][/qode_accordion_tab][qode_accordion_tab title=”What is APR and Rate of Interest?”][vc_column_text]The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The ‘APR’ is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate and other charges that you pay to get the loan. The FCA description of any APR is “APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders must tell you their APR before you sign an agreement. It will vary from lender to lender.[/vc_column_text][/qode_accordion_tab][/qode_accordion][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” background_color=”#ffffff”][vc_column][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=”” padding_top=”50″ padding_bottom=”50″][vc_column_inner][vc_column_text]

Complaints

[/vc_column_text][vc_empty_space height=”30px”][vc_column_text]On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

Phone: 01484 907041
Email: aftercare@prestonskitchens.co.uk
Address: Unit 5/6 Colne Bridge Business Park, Colne Bridge Road, Huddersfield HD5 0RH

If your complaint relates to your finance agreement

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What to do if you can’t reach an agreement

If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

They can be contacted in the following ways:

Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 0300 123 9 123
E-mail: complaint.info@financial-ombudsman.org.uk

Further details can be found on the Financial Ombudsman Service

website: www.financial-ombudsman.org.uk[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]