Yorkshire Garden Studios | Finance Options
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Finance Options

4 Ways to Pay

With a choice of four different payment options, you can select the option that works best for you and we can get started today.

We offer loans from Novuna. We do not receive commission and we do not charge you for our credit broking services. All credit applications are subject to status and a credit search.

Solarframe Direct Limited are authorised and regulated by the Financial Conduct Authority as a credit broker. You can visit the FCA website here and search for us to see our status.

If you’re not completely happy with our service, please follow our step-by-step complaints procedure. This can be found here.

Interest free credit

Simply pay a deposit, then we’ll work out how much you need to pay each month, interest free of course. Your payments will be taken by direct debit each month and, of course, you can pay the remaining balance off in full at any time. Interest free credit is available on purchases over 24 or 36 months at 0% APR.

  • Representative 0% APR
  • Monthly Payments over 24 or 36 Months
  • No Interest payable
  • Deposit Required

Representative Example for 24 Months:

Cash price of £10,000. Deposit amount £2,500 Total amount of credit £7,500. Interest Rate 0%. Representative APR 0%. Duration of Agreement 24 months. 24 monthly instalments of £312.50. Total Amount payable £10,000. Early exit fee £0.00.

Representative Example for 36 Months:

Cash price of £10,000. Deposit amount £5,000 Total amount of credit £5,000. Interest Rate 0%. Representative APR 0%. Duration of Agreement 36 months. 36 monthly instalments of £138.88. Total Amount payable £10,000. Early exit fee £0.00.

Buy now pay in 12 months

This facility offers you the option to defer payments for 12 months from installation, during which time, you can settle your balance completely Interest Free by simply paying the amount borrowed.

If you don’t settle the balance within the 12 months, interest will have accrued from inception of the loan agreement on any amount outstanding at the end of the deferred period, you can then repay by monthly installments.

  • Representative 9.9% APR.
  • Defer Payments for 12 Months from installation.
  • No interest payable for 12 months, providing balance settled.
  • No deposit required.

Representative Example:

Cash Price £10,000

Deposit £0

Amount Borrowed £10,000

Simply pay the Amount Borrowed within 12 Months of installation & settle interest free, or pay 120 payments of £140.98. Total Charge For Credit £6917.60, Total Repayable £16,917.60, Interest Rate 9.9%, Representative APR 9.9%.

Flexible monthly payments

This option gives you the flexibility of spreading the cost over 120 months, (minimum loan value £1000,) or 180 months, (minimum loan value £7500.)

You can make additional repayments without penalty, which allows you to control the term of the loan and reduce the amount of interest you would pay. Payments will start approximately one month after installation.

  • Representative 7.9% APR.
  • Option to make over payments.
  • 120 or 180 Month terms.
  • No deposit required.

Representative Example:

Cash Price £10,000

Deposit £0

Amount Borrowed £10,000

120 Payments of £119.40

Total Charge for Credit £4328

Total amount repayable £14,328

Interest Rate 7.9%

Representative APR 7.9%

3 Months deferred and preferred.

By choosing this option, you will have nothing to pay for 3 months after installation, during which time you can settle your balance completely Interest Free by simply paying the amount borrowed.

If you don’t settle the balance within the 3 months, interest will have accrued from inception of the loan agreement on any amount outstanding at the end of the deferred period, you can then repay by 60 monthly installments at an excellent rate of 5.9% APR.

  • Representative 5.9% APR.
  • Defer Payments for 3 Months from installation.
  • No interest payable for 3 months, providing balance settled.

Representative Example:

Cash Price £10,000

Deposit £2,500.00

Amount Borrowed £7,500.00

Simply pay the Amount Borrowed within 3 Months of installation & settle interest free, or pay 60 monthly payments of £145.51 Total Charge for Credit £3,730.60, Total Repayable £11,230.60, Interest Rate 5.9%, Representative APR 5.9%.

Interest Free Credit
Buy Now Pay Later - 12 months
Flexible Monthly Payment
Buy Now Pay Later - 3 months
Interest Free Credit

Simply divide the loan amount by the term of the agreement and this will be your monthly repayment amount for the entirety of the agreement. No interest or fees are payable with this option

Buy Now Pay Later - 12 months

If settled in full within the 12 month deferral period then there is no interest to pay. This means that you would pay back the amount initially borrowed only. If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full

Flexible Monthly Payments

Interest is calculated daily and added monthly at a rate of 0.636%. You must make the minimum repayment each month. You can make additional repayments without penalty, which allows you to control the term of the loan and reduce the amount of interest you would pay. Payments will start approximately one month after the contract we have fulfilled with you.

Buy Now Pay Later - 3 months

If settled in full within the 3 month deferral period then there is no interest to pay. This means that you would pay back the amount initially borrowed only. If the loan is not settled in full within the deferral period then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full

Interest Free Credit
Buy Now Pay Later - 12 months
Flexible Monthly Payment
Buy Now Pay Later - 3 months
£10,000
(Amount of credit)
24 monthly payments
£ 416.66
Deposit
£ 4500
Representative APR
0%
Total repayable
£ 9,999.84
36 monthly payments
£ 277.77
Deposit
£ 4500
Representative APR
0%
Total repayable
£ 9,999.72
Nothing to pay for 12 months then
120 monthly payments
£ 154.54
Representative APR
11.9%
Total repayable
£ 18,544.80
120 monthly payments
£ 119.40
Representative APR
7.9%
Total repayable
£ 14,328.00
180 monthly payments
£ 93.46
Representative APR
7.9%
Total repayable
£ 16,822.80
Nothing to pay for 3 months then
60 monthly payments
£ 194.01
Representative APR
5.9%
Total repayable
£ 11,640.60
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Duration of Agreement
24 months
Rate of Interest
0% p.a. fixed
Representative APR
0%
24 Monthly Payments
£562.50
Total Amount Payable
£18,000.00
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Rate of Interest
7.80% p.a. fixed
Representative APR
11.9%
Duration of Agreement
132 months (including a 12 month deferral period)
120 Monthly Payments
£208.63
Total Amount Payable
£29,535.60
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Duration of Agreement
120 months
Rate of Interest
5.5% p.a. fixed
Representative APR
7.9%
120 Monthly Payments
£161.18
Total Amount Payable
£23,841.60
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Rate of Interest
3.10% p.a. fixed
Representative APR
5.9%
Duration of Agreement
63 months (including a 3 month deferral period)
60 Monthly Payments
£261.91
Total Amount Payable
£20,214.60


Status Disclosure.

Credit is subject to status and affordability. Terms & Conditions Apply. Solarframe Direct Ltd FRN 747702, Unit 3 Fields End Office Village, Goldthorpe, Rotherham, S63 0JF, is a credit broker, not the lender and is authorised and regulated by the Financial Conduct Authority. Credit is provided by a panel of lenders with whom we have a commercial relationship.

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