Finance Information

0% Finance Available NOW on purchases of £299 or more site wide. 

To help you spread the cost of purchasing our products, we have teamed up with Close Brothers Retail Finance to offer you a across 6 months at 0%Interest when you spend £299 or more with a minimum of 10% deposit up front.

Froothie UK  & Ireland Ltd act as credit intermediaries and offer credit products provided by Close Brothers Limited trading as Close Brothers Retail Finance.

Simply purchase one of our fantastic products £299 or more in value and you can qualify to spread the cost over 6 months with 0% interest. 

In Partnership with 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. Froothie are pleassed to be able to offer our customers this fantastic finance solution so that spreading the cost is now an option for all. 

How to Apply

Online – Please select Finance as your preferred payment method when making your order and you will then be redirected to the Close Brothers Retail website to complete your finance application.

Close Brothers will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.

  

FAQ's

How Much Can I Borrow?

The minimum order total to be eligible for finance is £299, inclusive of the lending amount and a minimum 10% deposit. For example, an order total of £299 would consist of £269.10 finance and a £29.90 deposit. The maximum loan amount is £1000.

Is A Deposit Required?

Yes. Just 10%, If your credit application is accepted, you will be required to pay a 10% deposit, using a credit or debit card. The amount of The deposit is displayed in The credit summary throughout The credit application and on The credit agreement itself.

What is the Annual interest rate?

The annual percentage rate 0% (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.

Some examples of the APR include: £300 (10% deposit) – 6 months – 0% APR

How Are My Monthly Payments Made?

Monthly repayments will be taken via direct debit from your bank account. Close Brothers Retail Finance will inform you of the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Which Products Can I Buy On Finance?

Any products listed on Froothie.co.uk that has a value of £299 or more.  

How Long Before I Have To Start Repayments?

The first payment is typically due 30 days following the date of delivery of your order.

Can I Pay Off The Loan Early?

Yes, you have the right to repay all or part of the credit early at any time – you should contact Close Brothers Retail Finance for details by phone (0844 880 6542), e-mail or letter at the following address:

Close Brothers Retail Finance / Dee House / St Davids Park / Flintshire / CH5 3XF     Please note that interest rates will be adjusted accordingly.

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.

Standard Information and Regulatory Status of DekoPay and Close Brothers Retail Finance

Consumer Credit Service is provided by Close Brothers Retail Finance. Close Brothers Retail Finance is licensed by Financial Conduct Authority (Consumer Credit Licence: 0616240).

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. For more information please visit www.closebrothersretailfinance.co.uk.

How Long Does It Take To Apply?

The online application takes a few minutes to complete and successful applications are processed straight away.

What Are The Requirements For finance?

You must be over 18 years old and a permanent UK resident with 3 years address history. You must have a UK bank account capable of accepting direct debits.The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

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, Dee House, St Davids Park, Flintshire, CH5 3XF  /   Telephone: 0844 880 6542 Email: [email protected]