Flexible Finance Options

See how affordable your home improvement can be with our Finance Calculator.

To make life easy for you, James Oliver can arrange a variety of convenient easy payment finance options (subject to application & affordability). Making an application is simple and we promise you a quick decision. Everything can be sorted out with you in the comfort of your home or at your nearest James Oliver showroom and you should get an answer to your application within 24 hours, so you can enjoy whatever you’ve set your heart on right away.

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Buy now and choose to pay monthly over 5, 10 or 15 years...

£
60 monthly payments
Deposit
£
Representative APR over 5 years
7.9%
120 monthly payments
Deposit
£
Representative APR over 10 years
7.9%
180 monthly payments
Deposit
£
Representative APR over 15 years
7.9%

This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 60, 120 or 180 months*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay.

*180 months for orders over £10,000 only. No security is required on this loan.

These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example of This Finance Option

Cash Price
£4,000.00
Deposit
£99.00
Total Amount of Credit
£3,901.00
Duration of Agreement
60 Months
Rate of Interest
4.3% p.a. variable
Representative APR
7.9% APR
60 Monthly Payments
£78.42
Total Amount Payable
£4,804.20

Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £1,000. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No.04779150) act a credit broker and is authorised and regulated by the Financial Conduct Authority. Credit provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority (Register no. 704348).

Buy now for as little as £99 deposit and pay nothing more for 12 months...

£
Deposit
£
Pay within 12 months + £29 exit fee
£

Want to pay in monthly instalments after 12 months rather than one-off payment? Consider this option.

120 monthly payments
Deposit
£
Representative APR over 10 years
19.9%

Pay us £99 deposit when you order, and as long as you pay the outstanding balance in full before 12 months has elapsed plus a £29 exit fee, no interest will be charged. If, after 12 months, this is not convenient, you can pay in 120 monthly installments at 19.9% APR Representative.

*Deferred for 12 months from the date of completion – £29 exit fee applies if the loan is repaid in full during the deferral period and NO INTEREST will be paid. For legal reasons the Representative Example shows interest IF the outstanding balance is NOT paid before the 12 months has elapsed. No security is required on this loan.

These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example of This Finance Option

Cash Price
£4,000.00
Deposit
£99.00
Total Amount of Credit
£3,901.00
Duration of Agreement
132 Months*
Rate of Interest
14.4% p.a. fixed
Representative APR
19.9% APR
120 Monthly Payments
£83.88
Total Amount Payable
£10,164.60

Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £1,000. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No.04779150) act a credit broker and is authorised and regulated by the Financial Conduct Authority. Credit provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority (Register no. 704348).


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© 2019 James Oliver Conservatories Limited.

James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No.04779150) act a credit broker and is authorised and regulated by the Financial Conduct Authority. Credit provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority (Register no. 704348).