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Sale now on 25% off everything * 0% finance availableSubject to status, T&Cs apply

Bedrooms InStyle Finance Examples

Now you really can afford the bedroom of your dreams with all the extra options you desire

Product: Interest Free
0% APR

Applies to

Deposit of:
50% Only
Term of:
9 Months Only
Ranges:
Domalti Only

Representative Example

Cost:
£3,600
Deposit:
£1,800 (50%)
Amount of credit:
£1,800
Payable by:
9 Monthly Payments Of:
£200
Commencing:
25 Days After Delivery
Total cost of credit:
£0.00
Interest Rate:
0.0% APR
Total amount payable:
£3,600.00
APR:
0% APR Representative
Product: Buy Now, Pay Later
16.9% APR

Applies to

Deposit of:
25% - 50%
Term of:
12 Months Payment Free Followed By 48 Monthly Payments
Ranges:
All Excluding Heritage

Representative Example

Cost:
£1,900
Deposit:
£475 (25%)
Amount of credit:
£1,425
Payable by:
48 Monthly Payments Of:
£46.97
Commencing:
12 Months After Delivery
Total cost of credit:
£829.52
Interest Rate:
16.9%
Total amount payable:
£2,729.52
APR:
16.9% APR Representative
Product: Interest Rate
19.5% APR

Applies to

Deposit of:
10% - 50%
Term of:
12 - 60 Months
Ranges:
All

Representative Example

Cost:
£1,200
Deposit:
£600 (50%)
Amount of credit:
£600
Payable by:
60 Monthly Payments Of:
£15.22
Commencing:
1 Month After Delivery
Total cost of credit:
£313.16
Interest Rate:
19.5%
Total amount payable:
£1,513.16
APR:
19.5% APR Representative

Applies to:

- full bedroom orders only delivered within 6 months
- credit advances of £150 to £15,000

Applicants must:

- be between 18 & 75 years of age
- have a permanent UK address - with 3 years address history
- have a bank account capable of paying direct debits
- have a debit or credit card 
- not be bankrupt or in an IVA
- apply as a sole applicant (not a joint application)
- if retired, have a minimum annual income of more than £5,000


Please note:

- there are no early settlement penalties
- you will be able to pay off lump sums
- credit is subject to status
- Terms & Conditions apply


Bedrooms InStyle Ltd act as a credit broker for Specialist Lending Ltd (Trading as Duologi) who act as the lender

Thinking of choosing finance?

Finance is a convenient way to spread the cost of your bedroom purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly in-store or if you prefer, later in the comfort of your own home.

With the help of one of our designers you will be able to explore our three different finance options using the Duologi loan calculator. This will also allow you to tailor the loan term to best suit your budget. Please check the details of the terms and deposit options above.

The quick application form takes no more than a couple of minutes to complete and in almost all cases you’ll receive an instant decision.


Check your eligibility

Before you apply please note you will only be considered for finance if you:

- Are at least 18 years old.

- Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance).

- Are a permanent UK resident and have lived in the UK for at least 3 years.

- Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.


Our payment plan options

We offer a range of interest-free, buy now pay later and interest-bearing finance options to help you spread the cost of your purchase over periods of between 9 or 60 months. The value of the loan needs to be between £150 & £15,000 and you can choose a deposit of up to 50% of the cost of the goods.

Please check carefully the information in our three options illustrated in the finance example tables above. These show the types of loan, deposits and loan periods that are available on which bedroom door ranges.

Please note that the Deposit is payable on order.


Finance decision

Your application will be assessed based on various factors including eligibility, credit history and affordability. Following your application submission, Duologi will let you know the outcome of their decision in just a few seconds.

It’s important to know that:

When applying for finance Duologi will obtain information about you from credit reference and fraud prevention agencies to assist them in their legitimate interest of assessing your application and making decisions about you.  We will record information about you with them and they will add to their record about you details of their search which will be seen by other organisations making searches.

Many applications being made within a short period of time could affect your ability to obtain credit.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

Further information explaining how the information held by fraud prevention agencies may be used can be obtained by emailing: Compliance@duologi.com

Once approved, you just need to digitally sign your credit agreement, pay your bedroom deposit and then wait for your order to arrive.


Repaying the loan

Your direct debit payments will be collected according to the Finance Options examples shown above. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.


Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify both Bedrooms InStyle Ltd and Duologi.

A finance agreement does not affect our standard ‘Order Form, Contract and Invoice’ trading terms, refund or returns policy. Just contact us and we can cancel your application with Duologi and amend our Order Form, Contract and Invoice with you to include our standard payment structure.

Please note that if you require custom size/made to order bedroom units or doors and wish to cancel your finance agreement, we will require full payment on order before they are manufactured. You will not be entitled to a refund should you wish to cancel your custom size/made to order purchase for any reason.

For any other questions, please contact us on telephone or via email.


The legal bit

Bedrooms InStyle Ltd are registered in England and Wales (Company number 10405444) and is authorised & regulated by the Financial Conduct Authority (Register number 799293) and act as a credit intermediary.

Finance is provided by Duologi. You will be offered the best rate available based on your personal credit history and Duologi's credit decision policies.

Duologi is a trading name of Specialist Lending Ltd. They are registered in England and Wales (Company number 10664999) and authorised and regulated by the Financial Conduct Authority (Register number 774712).

For more information please go to www.Duologi.com/faq or visit www.Duologi.com

 

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