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Furniture at Baker - Established 1868
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Interest Free Credit

We offer you the choice of either 12 months Interest Free Credit or Buy Now Pay 12 Months Later (subject to status). Credit is available on any order of £500 or more.

Examples:

Buy Now Pay 12 Months Later

You pay an initial deposit of 20% and then nothing for the first 12 months. At the end of 12 months you can settle the balance in full and incur no interest charge. If you do not settle the balance in full after 12 months you will then make 36 monthly payments and incur interest charges.
See the example below, which is based on the cost of the items totalling £750 and the loan is not settled in full within 12 months.
12 Months Interest Free Credit

Our Interest Free finance scheme is very straightforward. You simply pay an initial deposit of 20% by credit or debit card and then 12 equal monthly instalments, which will total no more than the cash price of your purchase – and that’s it.

See the example below, which is based on the cost of the items totalling £750 over 12 months.
Cash Price (incl. Delivery & VAT)

Deposit (20%)

Amount of Loan

Total Charge for credit

Total Amount Payable

Balance Payable

36 Monthly Repayments of

APR
£750

£150

£600

£325.92

£925.92

£1075.92

£ 25.72

19.90%
Cash Price (incl. Delivery & VAT)

Deposit (20%)

Amount of Loan

Total Charge for credit

Total Amount Payable

Balance Payable

12 Monthly Repayments of

APR
£750

£150

£600

0

£750

£600

£50

0%

How to Apply for Credit

To choose to pay by credit click on the finance option in the Checkout Area. You will then be taken to a secure online form.

If your application is approved you will receive a call from our sales team and the completed forms will be sent through the post for you to sign and return to us. Upon receipt of the signed agreement we will process your order.

If you have any problems completing the Application please call us on 01924 372300.

If my application is declined?

If our credit providers decline your application you will have the option to choose an alternative method of payment (i.e. credit/debit card or cheque). If you do not wish to proceed your deposit will be refunded.

PLEASE NOTE:-
The finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

Credit available subject to status, written quotations available on request.

Baker Furnishings - Furniture Supplier - Established 1868
John Baker & Sons (Furnishers) Ltd 1-3 Gills Yard, Wakefield WF1 3BZ
email: info@bakerfurnishings.co.uk telephone: 01924 372300
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