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Products of the day

Finance

- What is the minimum order value to apply for the finance?

We offer this financing option on all orders over £280. The 10% deposit is required while placing an order.

Do I qualify for financing and what is the criteria?

To apply for financing, you must meet the following criteria:

- Be 18 or over

- A resident in the UK for 3 years

- You must have a UK bank account that can accept direct debits

- Delivery must be to the address that you put on the finance application

- Your order must be delivered to your bank account's billing address

When you have made your application to Divido, they will securely process your application and ensure that you meet the correct credit rating criteria for financing.

What information will I need to provide?

During Divido’s secure application process you will be asked to provide some basic personal details such as your marital, residential and employment status. You will also need to have your bank account handy and possibly your credit or debit card information for deposit and ID verification.

Please note: we can only deliver to the address used in the finance application.

Do I have to have hard-copies of my documents or credit card on me?

No, the Divido application process is 100% paperless. You will simply need to provide your credit card information but no need to present the actual card at any point.

What is the order and application process?

1. Choose the furniture you wish to purchase. The order value must be at least £300 for the finance option to apply.

2. Inform the CJC Furniture sales assistant that you wish to pay with the finance.

3. With the help CJC Furniture sales assistant enter your details in the application form.

4. You will normally get a decision from Divido instantly. In case your application doesn’t get approved instantly don’t panic - follow these steps and call us / Divido directly to get an update on why your application has been disapproved.

5. Complete the e-signature.

6. You will receive an order confirmation from us and we'll start processing your order.

Please note: we can only deliver to the address used in the finance application.

Representative Example (0% finance)

Purchase Price £999.00

Deposit £198.8

Amount of credit £800.2

Total Repayable £800.2 Agreement Duration 12 months Monthly Payment £66.68

Rate of Interest 0% per annum Representative 0%APR












Is a deposit required?

Yes, we do require 10% of the order value to be paid while placing an order. You simply choose your repayment period of 6, 10 or 12 months and pay by direct debit.

Can I use a discount code with the financing option?

Yes, of course you can. Simply enter your discount code when you check out and it will be applied.

What happens when I apply?

DIVIDO processes your information and performs a credit check through an automated system. It will take 30 seconds to find out if you are accepted. Sometimes this automatic process may be inconclusive in which case one of Divido’s team will have to manually check your application and will come back with a decision usually 30 minutes to 1 day later. If they need to, they may contact you by email to provide more information to help them make a decision.

If you are accepted you may be guided through to verify your ID or pay a deposit before proceeding to review your contract agreement. You can then follow the instructions to sign it electronically and check out successfully.

Why was my credit application declined?

While the lender will never tell us exactly why they decline a customer (due to data protection), it’s usually due to eligibility, not having enough credit experience, having negative credit file information or providing unsatisfactory information in the application.

Please note, all checks and applications are processed securely by Divido, with CJC Furniture acting solely as an intermediary. For more information please see our Terms & Conditions.

________________________________________________________________________________________________________

CJC Furniture Ltd acts as a credit intermediary. Finance options are provided by Divido Financial Services Limited in association with Shawbrook Bank Limited who is authorised and regulated by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Registered office: Lutea House, Warley Hill Business Park, Great Warley, Brentwood, Essex, CM13 3BE. Finance available subject to age and status. Terms and conditions apply.

 
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