Finance

PLEASE NOTE THAT THERE IS AN ISSUE WITH THE FINANCE OPTION WORKING ON OUR CHECK OUT AND WE ARE HOPING TO HAVE THIS RESOLVED BY THE END OF SEPTEMBER. APOLOGIES FOR ANY INCONVENIENCE CAUSED.

 

Innes Finance Options

No deposit and up to 6 months interest free credit at 0% APR or up to 48 months credit at 9.9% APR on orders over £1000.

In order to spread the cost of buying your new pieces of furniture, we have teamed up with Creation Consumer Finance Limited to allow you to pay with no deposit and low monthly payments. We can offer either 6 months interest free credit at 0% APR or up to 48 months credit with a low interest rate of just 9.9%. This is a very simple process and is all handled when you check out on our website.

The examples below are based on a purchase  of £1500 using our various finance options.

 

 

Please spend sensibly and make sure that you can afford your repayments.

 
How do I apply?
At the final stage of checkout on the website you can select the Apply for Finance tab as your payment method. Before you place your order you will be shown what your monthly repayments will be, based on your order value, and the time period that you choose.
On placing your order you will then be redirected to the Creation Finance website where you will be able to submit your application.
Please note: Innes do not require the payment of a deposit. The delivery address on the finance must be the same as the address shown on the finance document.
The application on the Creation site should take no more than a few minutes. In most cases they will provide an instant answer as to whether your application for finance has been successful.
In some cases, Creation may require more information before making their decision. Any contact relating to the loan will be direct between you and Creation.
Assuming your application is successful, Innes will receive notification and will complete your order process straight away.
If your application is unsuccessful Innes will simply cancel the order. Should you still wish to proceed with your order you can, of course, do so using normal payment methods.

Who can apply?
Finance is available on orders over £1000 placed on Innes.co.uk. The total amount of your order will include any additional services and delivery options selected.

To successfully apply for credit, you'll need to be:
18 years or older.
A permanent UK resident for 3 years or more.
Able to make regular repayments via Direct Debit
Either a homeowner or in regular employment, or in a permanent residence with a spouse/partner who is in regular employment*
Have a debit card or credit card in your name and registered to your address as well as a bank or building society current account
Other conditions may apply and we cannot guarantee that your application will be accepted
* If you are retired and receive a pension, or are registered disabled and unable to work, Creation Finance may ask for proof of sufficient income.

Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.

Do I need to pay a deposit?
No. No deposit is necessary under our finance options.

How do I repay the loan?
Your monthly repayments are collected by Direct Debit.

Can I pay my agreement off early?
Yes, you have the right to repay all or part of the credit early at any time – you should contact Creation Finance for more details.

How much does the loan cost?
The total cost of your loan will be clearly shown on your finance agreement.
There is also a loan calculator on all eligible products and at the checkout when finance is an available option.
We offer 6 months interest free credit at 0% APR and interest bearing credit at 9.90% over either 12, 24, 36 or 48 months if you wanted to spread the payments out a little longer.

Are there any other charges?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in your copy of the credit agreement which is available to you as part of the application process and also supplied to you as part of the welcome pack you will receive following acceptance of finance.

How long before I have to start to repay the loan?
The finance company will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

Who provides the finance?
Ivor Innes Ltd acts as a credit intermediary and offers credit products from Creation Consumer Finance Limited. Ivor Innes Ltd acts as a credit broker and not the lender. Ivor Innes Ltd offers products from Creation Consumer Finance Limited. Creation Consumer Finance Limited act as the lender. Terms and conditions apply, subject to application, financial circumstances, and borrowing history. Minimum spend and eligibility criteria applies.
Creation Consumer Finance Limited. Authorised and regulated by the Financial Conduct Authority. Registration Number 311518. 

https://www.creation.co.uk/about-us/data-protection-notice

Creation Customer Enquiries
Chadwick House
Blenheim Court
Solihull
B91 2AA
T: 0371 402 8905
[email protected]

What if my finance application is unsuccessful?
Applications may not be accepted for a number of reasons, including incorrect information or failing to meet the specified requirements.
If your application is declined, it’s usually for one of the following reasons:
You do not meet the eligibility criteria
Adverse credit reference agency information
You have a low credit score
Your existing account performance with other lenders
You are considered to be overcommitted financially
If your application is unsuccessful your order will automatically be cancelled. You can still purchase the item in full using other payment methods. If you do wish to proceed just reorder on the website or call us on 01482 649271 or email us on [email protected]

Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give Creation Consumer Finance notice in writing or by telephone or email.

Should you have any questions that are not covered on this page please contact one of our dedicated Customer Services team on 01482 649271.

Ivor Innes Ltd acts as a credit intermediary and offers credit products from Creation Consumer Finance Limited. Ivor Innes Ltd acts as a credit broker and not the lender. Ivor Innes Ltd offers products from Creation Consumer Finance Limited. Creation Consumer Finance Limited act as the lender. Terms and conditions apply, subject to application, financial circumstances, and borrowing history. Minimum spend and eligibility criteria applies.
Creation Consumer Finance Limited. Authorised and regulated by the Financial Conduct Authority. Registration Number 311518. 

Ivor Innes Ltd is authorised and regulated by the Financial Conduct Authority (FRN 916581). Registered in England and Wales. Registration No 01278998. Registered office: 11-13 The Square, Hessle, East Yorks, HU13 0AF