Finance

Your Guide to Our 0% APR Finance, No Deposit Required Scheme

Lucy Willow Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 723899. Lucy Willow Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

Please note that we are unable to apply any savings or discounts to any orders placed using our finance option.

We want to make our stunning furniture as accessible to as many people as possible. We are delighted to be able to give our customers the chance to benefit from our 0% APR Finance with No Deposit Required scheme on all orders on or over the value of £1,500.00. Yes, that’s completely interest free credit so the price you see is the price you pay; offering a manageable repayment option over a 12 month period.

Our quick and easy online application form which includes eSign, an eSignature system that allows customers to confirm they’ve signed a credit agreement electronically means you can be approved for interest free credit in under 10 minutes. Applications can be made in store or online via our website and once approved all relevant documentation will be forwarded to the applicant by email. We are unable to apply any savings or discounts to any orders placed using our finance option.

To be eligible to apply you must:

is 18 years or older

is, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit

has been a resident in the UK for at least 3 years

has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit (if applicable)

has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

How much do I Pay

Our website will calculate this for you automatically when you check out on our website. Please note that the minimum order value to qualify is £1,500.00.

Delivery

Please be aware that any purchase using finance must be delivered to the applicant's home address. This is a legal requirement when a finance contract is in place - it helps protect customers from fraud and identity theft.

We are here to help so if you experience any problems please do not hesitate to contact us on 01257 733250 or email us at [email protected]