Apply Online, Instant Decision
Get credit at the checkout
Select the product and decide on the options. Add the item to your basket, then simply click on "Apply for Finance".
Instant decision
Completing your application will take about 5 minutes. Our finance partner is etika Finance. Credit is provided subject to status.
Your order shipped FAST
If the item is in stock you will be contacted by our delivery team to arrange a delivery date. If it needs to be made to order they will contact you as soon as it has been made.
Get the product you want now
We have a huge range of products which we offer finance on. Giving you the flexibility to get the item you want and spread the cost.
Paperless application process
Everything is completed online, with no paperwork to print and post. Our industry leading process is straightforward and easy to understand.
No deposit required
No deposit is required on certain finance options, though we do offer the option to place a 10% deposit if you wish to do so.
Representative Finance Example
Finance Option: 12.9% Finance over 48 months
Sale Amount: £1995
Deposit: £0
Cost of Credit: £553.65
Representative APR: 12.9%
Interest Rate: 12.15%
Loan Amount: £1995
Monthly Instalments: 48
Monthly Repayment: £53.10
Total Amount Payable: £2548.65
Qualifying for credit - things you will need
- You must be over 18 years of age
- Must be employed at least 16 hours per week, self-employed, retired in receipt of a pension or receiving disability payments.
- Must be a permanent UK resident with at least 3 years UK address history.
- Must have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
- Must have an active valid email address
Frequently asked finance questions:
How much can I borrow?
When going through the checkout, just fill out etika Finance's easy online application form and you can be approved for up to £25,000 to use for the product you wish to purchase. Use our Calculator to determine how much you can spend based on your monthly payments.
Is A Deposit Required?
We now offer finance which doesn't require a deposit, though we do offer the option to place a 10% deposit if you wish to do so.
How Are My Monthly Payments Made?
All monthly payments are paid by direct debit from your personal bank account.
With any interest free credit agreement, typically the first payment will be due one month after the date of delivery and subsequent monthly payments will be due every month for the length of your term on that day of the month.
With any interest bearing credit agreement, your first repayment date is confirmed during etika’s online application. Typically the first payment will be due between 4 and 8 weeks after the agreement is signed at the point of order. Please bear in mind in some instances this will be prior to delivery. Subsequent monthly payments will be due every month for the length of your term on that day of the month.
What Type Of Product Can I Buy On Finance?
Anything on our website which is marked showing that it is available on Interest Free Credit (0% APR) or Low Monthly Payments (12.9% APR). Selected items under £500 are available with Low Monthly Payments (19.9% APR) with a 6 month loan repayment period.
What Length Of Repayment Is Available?
We can offer 12, 24, 36 or 48 month loan repayment period for interest bearing credit, or 6, 10, 12 18 months for interest free credit on selected products. Selected items under £500 are available on interest bearing credit with a 6 month loan repayment period.
How Do I Apply?
You can apply on our website, simply follow the checkout process and select “Apply For Finance”, you can also call our Sales Team on 0145 451 3171 who will help you through the process.
Can I Pay Off My Loan Early?
You can settle your loan agreement at any time without penalty. Simply log into your etika account (https://portal.gb.etika.com/) to manage your agreement or contact etika Finance and they will talk you through this. Your settlement figure and date are calculated in line with the Consumer Credit Act.
Can I apply for finance in the showroom?
Yes you can. Just bring along your chip and PIN enabled VISA or Mastercard credit or debit card, which we will verify and take your deposit from.
What happens if I am moving house?
If you require delivery to a different address, please get in touch with our Sales Team on 0145 451 3171 who will need to complete additional checks prior to confirming whether the delivery can take place.
Can I cancel my credit agreement if I change my mind?
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact Home Leisure Direct. There is no need to contact etika.
Paying by finance with etika does not affect Home Leisure Direct’s standard T&C’s and returns policy.
Complaints Policy
In the event of a complaint from a sale where finance was the payment method Home Leisure Direct will work to resolve this with you and in line with the Financial Conduct Authority (https://www.fca.org.uk/) & Financial Ombudsman Service (https://www.financial-ombudsman.org.uk/) requirements. If you wish to make a complaint please contact Home Leisure Direct on 0808 239 0500 or sales@homeleisuredirect.com.
Terms & Conditions
Credit agreements are subject to status. Eligibility and conditions apply. Home Leisure Direct Limited acts as a credit intermediary and only offers credit products from etika Finance UK Limited. Home Leisure Direct is authorised and regulated by the Financial Conduct Authority. The address of Home Leisure Direct Limited is Unit 8 Redhill Farm Business Park, Marshacre Lane, Elberton, Bristol, South Gloucestershire, BS35 4AL.
Home Leisure Direct Limited is registered in England and Wales. Registered Office: Unit 7A Point 4 Distribution Centre, Second Way, Avonmouth, Bristol. BS11 8DF.
Company Registration: 6364345 | VAT Registration: 914619912 | Consumer Credit License: 692501
etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised and regulated by the Financial Conduct Authority, registration number: 697658. Registered address: Suite 2.01, c/o Colony, One Silk St, Ancoats, Manchester, M4 6AG.
Web: www.etika.com
FAQs: https://etika.com/uk/customer/faqs
Email: hello.uk@etika.com
Tel: 0800 028 9321
