Make your home upgrades more affordable with flexible
payment plans to suit your budget
Get a free quote today and ask about payment options.
What is Finance?
Finance is a way to spread the cost of purchases over time through manageable monthly payments, making larger purchases more affordable when you can't or don't want to pay the full amount upfront. When you choose finance, you're essentially borrowing money to buy something now and paying it back in instalments.
Finance options can include interest-free periods where you pay no extra charges if you settle within a specific timeframe, or standard credit agreements where interest is charged throughout the repayment period. All finance is subject to status and affordability checks to ensure the repayments are suitable for your circumstances.
How Our Finance Works
Interest-Free Credit
0% APR
Terms available: 6, 12, 24 or 36 months
0% interest (fixed)
Deposit from 10% to 50%
Fixed monthly repayments
Loan amount from £250 to £25,000
Early repayment with no additional charges
Representative Example (0% APR Interest-Free Credit)
Cash price: £3,000
Deposit: £600 (20%)
Total amount of credit: £2,400
12 monthly payments of £200 per month
Total amount payable: £3,000
Rate of interest: 0% p.a. (fixed)
Representative APR: 0%
Representative Example (Interest-Bearing Credit)
Cash price: £5,000
Deposit: £1,000 (20%)
Total amount of credit: £4,000
60 monthly payments of £86.66
Total amount payable: £6,199.60
Rate of interest: 14.9% p.a. (fixed)
Representative APR: 14.9%
The rate you are offered may differ from the Representative APR based on your individual circumstances and credit assessment.
Important Information: Finance is subject to status and affordability checks. You must be over 18, a UK resident for 12+ months, and in employment (16+ hours per week) or retired with income. We're committed to responsible lending - please only borrow what you can afford to repay. We act as a credit broker, not a lender.
Credit is subject to status and affordability checks. Terms and conditions apply.
Do You Meet The Finance Criteria?
To qualify for finance, customers must meet the following requirements
Minimum age of 18 years
3 years UK address history - Must have a stable residential history
Own bank account - Direct debits need to be set up for repayments
Employment status- Must fall into one of these categories:
- Employed (working 16+ hours per week on a permanent contract)
- Self-employed (working 16+ hours per week)
- Retired (including early retirement)
- Receiving disability allowance (proof will be required)
- Student nurse or doctor in training
- Unemployed with an employed cohabitating spouse/partner (proof of partner's employment required)
The following customers cannot qualify for finance
Unemployed individuals without a spouse/partner in full-time employment
Temporary workers or agency workers without permanent contracts
Unregistered childminders
Foster carers without a spouse in full-time employment
Full-time students (except trainee nurses/doctors)
Supply teachers without a permanent contract to a specific school
Business purchases - Finance is only available for personal/domestic use, not commercial installations
Frequently Asked Questions
When you receive your quote from us, simply let us know you'd like to explore finance options. We'll guide you through the application process and help you choose the best payment plan for your circumstances.
You must be 18 or over, a UK resident for at least 3 years, have your own bank account, and meet the employment criteria listed above. All applications are subject to credit checks and affordability assessments.
Your first payment will typically be due one month after your finance agreement starts. The exact date will be confirmed in your finance agreement documentation.
No. There are no arrangement fees or hidden charges. The only cost is the interest (if applicable) which is clearly stated in your agreement. For interest-free credit, you pay back exactly what you borrow, nothing more.
Most applications receive a decision within minutes. In some cases, additional checks may be required which can take up to 24-48 hours.
Yes, the lender will perform a credit check as part of the application process. This involves checking your credit history with credit reference agencies to assess your ability to repay. An initial soft search may be performed which won't affect your credit score, followed by a full search if you proceed with the application.
Yes, you can settle your agreement at any time by paying the outstanding balance. For interest-free credit, there are no early repayment charges. For interest-bearing credit, you may receive a rebate on interest charges - details will be in your agreement.
APR stands for Annual Percentage Rate. It's the total cost of borrowing over a year, including interest and any mandatory fees, expressed as a percentage. The rate of interest is the percentage charged on the amount borrowed. The APR gives you a clearer picture of the true cost of credit and allows you to compare different finance offers.
Regulatory & Legal Information
Switched On London (FRN 927872) are an Appointed Representative of Koze Group Ltd, a credit broker not a lender. Koze Group Ltd are authorised and regulated by the Financial Conduct Authority (FRN 811281) registered in England (08357963). We offer finance products from a panel of lenders. Credit subject to age and status.
Should you wish to make a complaint of a financial nature, please visit: complaints
- Principal name: Koze Group Ltd
- FCA Firm Reference Number (FRN): 811281
- Authorised and Regulated By: The Financial Conduct Authority
Complaints
Should you wish to make a complaint of a financial nature, please visit: https://www.hiber.com/complaints
You can also find details of our lender's complaints processes by visiting their respective websites.
