Finance is available on all orders between £285.00 & £27,500.00 with a minimum deposit of 10% (maximum 50%)
Low Hardwick Farm
Stockton on Tees
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.
Minimum Deposit 10% required
Shawbook Bank Limited is authorised regulated by the Financial Conduct Authority (Consumer Credit Licence: 204574)
We may pay brokers some consideration if they introduce business to us.
Period of Finance available from 12months to 60months
Deposit : minimum 10% - Maximum 50%
Interest Rate 12.9% APR Representative for finance taken between 36months & 60months
Interest Rate 14.9% APR Representative for finance taken between 12months & 24months
We work exclusively with the Shawbook Bank Limited as a lender via the Divido payment gateway system
Divido is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance. Divido act as a credit broker and not a lender. Divido can introduce you to a limited number of finance providers.
Apply online and descisions are usually provided instantly
To qualify for finance you must be
- over 18years of age and employed for more than 16hours a week or retired with a gross annaul income of at least £10,000 per year
- You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies and own o credit/debit card
- 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.
- You are a permanent UK resident and able to supply a UK address history for the last 3 years
X Applications from students (unless employed at least 16 hours per week), unemployed will not be considered
The standard rate of finance is 12.9% APR Representative
Consumer credit service provided by Divido in association with Shawbook Bank Limited. Divido is licensed by the Financial Conduct Authority. For more information please refer to our FAQ further down this page or visit https://www.divido.com/
How do I ask a question about the Credit Agreement?
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Shawbook Bank Limited on 01277751110 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.
How long does it take to apply online?
Our online application form is swift to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10-20 seconds. Some applications may take longer to process. If for any reason we can't give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.
Can I cancel my credit agreement if I change my mind?
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 finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). 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 send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.
Shawbook Bank Limited
Warley Hill Business Park
Orders made under a finance agreement CANNOT be changed once the finance has been applied for.
If you require a variation of a product please contact us before placing order and if possible we will list the actual product for you to order.
What are the requirements for finance?
You must be a permanent UK resident and able to supply 3 years address history. Employment or retired and receive a gross annual income of at least £10,000.Have a good credit history and own a debit or credit card. 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.
Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process.
Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.
Do I need to pay a deposit?
Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.
How do I repay the loan?
Your monthly repayments are collected by Direct Debit.
Can I pay my agreement off early?
You have the right to repay all or part of the credit early at any time – you should contact Shawbook bank limited for details by phone, e-mail or letter at the following;
Shawbook Bank Limited
Warley Hill Business Park
How much does the loan cost?
The total cost of the loan is shown on the finance agreement.
Are there any other charges?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Shawbook Bank Limited may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.
Pay4later finance agreements
We previously offered finance via the Pay4later service financed by Close Brothers Retail finance. If you have a finance agreement with Close Brother Retail Finance their contact details are below.
Close Brothers Retail Finance
St Davids Park
Telephone: 0844 880 6542