Example shown for 36 months interest free credit , 24 months available
*Late payment fees and other charges may be payable, please refer to your finance agreement for full details and T&C’s.

• What type of credit options do you offer?

  Depending on the total cost of your order, we offer Pay Monthly over 48 months and 24 or 36 months Interest Free Credit (subject to status).

• Is there a minimum order value for credit applications?

  Yes. Credit is only available on orders of £500 or more.

• Credit broker status?

  Oak Furnitureland Group Limited (FRN 928005) is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN 631736).

  The permissions of Consumer Credit Compliance Limited as a Principal firm allow Oak Furnitureland Group Limited to undertake credit broking.

  Oak Furnitureland Group Limited act as a credit broker not a lender and we may be paid a fee based on the total amount of credit provided, calculated as a percentage of the balance financed. You will not pay more as a result of our commission arrangements.

  Oak Furnitureland uses the following lenders:

  Hitachi Capital (UK) PLC trading as Hitachi Personal Finance.
  Authorised and regulated by the Financial Conduct Authority ( Financial Services Register no. 704348. Registered Office: Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

  BNP Paribas
  Authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518). Registered in Northern Ireland, Registration No. N1032565. Registered office: 6th Floor, Royston House, 34 Upper Queen Street, Belfast, BT1 6FD.

  Secure Trust Bank PLC trading as V12 Retail Finance
  Authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 204550). Registered in England and Wales 541132. Registered office: One Arleston Way, Solihull,B90 4LH.

• How do I apply for credit?

  To apply for finance simply select the finance option you require on the Payment Method section of the checkout process or call our Finance Hotline on 0800 440 2254 to complete your application over the telephone with one of our advisers. It's important you use your full name and address details and make sure everything is spelt correctly.

• When can I apply for finance?

  Finance can be applied for 24 hours a day, 7 days a week through our website. Our Finance Hotline is open 8.00am - 8.00pm Monday, 8.00am - 9.00pm Tuesday and 8.00am - 8.00pm Wednesday to Sunday, simply call 0800 440 2254 to speak to one of our team members.

• What happens next if my application is approved?

  If your application is approved we will confirm your order. You will then need to follow our quick and easy electronic signature process to sign your agreement. You will receive an email directly from one of our lenders with simple and clear steps to follow.
  
  Once your application has been approved, The finance lender will email you asking you to E-Sign your finance documentation, this will enable us to finalize your order. We will then pass your order to our delivery team to arrange delivery within specified lead times.

• Are my personal details secure?

  Yes, our website uses the latest 256 bit high-grade encryption to protect you. There have been no documented cases of credit card fraud using our shopping system over the Internet.

• What happens if my application is not approved?

  We work with a number of lenders to give the best opportunity for your finance application to be approved however this cannot be guaranteed. If our credit providers are unable to approve your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card or BACS). If you have paid a deposit this will be refunded to you should you not be in a position to proceed with your order.

• Am I eligible for finance?

  In order to apply for finance you must:

  • be at least 18 years of age.
  • be either employed for more than 16 hours per week, self-employed, a house person, retired, or in receipt of an invalidity or disability allowance.
  • have been a UK resident for 3 years or more.
  • be able to make repayments by direct debit.
  • be able to provide your previous address if you have lived at your current address for less than 3 years.
  • have a debit card or credit card in your name and registered to your address and have a bank or building society current account.
• What information do you need from me?

  For a decision on your credit application you will need to provide us with your personal contact details, residence, employment and bank details (including bank account number and sort code). Having this information to hand will speed up your application if you apply through our Finance Hotline on 0800 440 2254.

• How do I make payments to my finance agreement?

  Once we have delivered your furniture, we will notify your lender who will activate your agreement. The lender will provide you with your 1st payment date details.
  Regular payments must be made by direct debit however you can make additional repayments as you wish to by contacting the lender directly, Alternatively you can contact our customer finance team on 0800 112 4329 who will be able to advise you of the contact details for your lender.

• Can I change my direct debit date?

  After your first payment has been made you may contact your lender directly to change this date to a more convenient date. This is subject to agreement of your lender and they may levy a charge for doing so.

• How long will it take to provide me with a decision on my application?

  In most cases your application decision will be advised to you instantly. There may be occasions where your application decision will take a little longer if our lenders require further information. We will ensure that you are kept up to date with your application.

• Will applying for finance delay my delivery?

  Your delivery will be arranged once your finance agreement has been signed and received by us. Using our e-sign system makes this a very quick and easy process so we can pass your order to our delivery team to arrange delivery as soon as we are able to.

• What happens if I change my order – will there be a further credit check?

  If you need to amend your order we will contact you to discuss the options available to you. This will depend on whether your order value has increased or decreased.

• What happens if my Direct Debit fails, or I fail to make payments on time?

  Late payment fees and other charges may be payable, please refer to your finance agreement for full details and T&C’s. Fees and charges may vary as we use a panel of finance lenders. Any fees and charges payable are collected by the finance lender and not Oak Furnitureland Group.

• If I repay early, how much interest will I be charged?

  If you choose our Pay Monthly option and wish to repay in full after you have received delivery of your furniture you should contact your lender who will be able to provide you with the full details of any settlement amount inclusive of any interest and fees.