Furniture - Finance Terms & Conditions

Tradeprices Building Supplies & Services Limited, a company registered in England and Wales with company number 08334281 whose registered office is N8, Cardiff Bay Business Centre, Forgeside Close, Cardiff, CF24 5EJ.

Tradeprices.com acts as a introducer, and only offers credit products from Specialist Lending Limited trading as Duologi, a company registered in England and Wales with company number 10664999 whose registered office is 10
Bressenden Place, London, SW1E 5DH.  

*Available for orders over £500.00. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply

Thinking of choosing finance

Finance is a fantastic way to spread the cost of your purchase. To make it easy we've partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online

First add the items you wish to purchase to your basket. When you reach checkout select the best finance option for you and choose 'Pay with Duologi'.

The quick application form takes no more than a couple of minutes to complete and then you'll receive an instant decision.

Our Payment Options

We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 12 months. The value of the loan needs to be over £500, and subject to a 10% deposit of the value of the goods.

How to Apply

Step one – Add products over the value of £500 to your basket and click checkout on the basket which will appear in the top right-hand corner of your screen.

Step two – Enter your billing and delivery details, and select 'Pay with Duologi' as your payment method in the right-hand column. This will redirect you to the Duologi’s finance calculator where you can confirm the terms of your finance agreement, including deposit amount and length of repayment.

Step three – Click the “APPLY ONLINE NOW” button underneath the finance calculator and fill in the online form. This form should only take a few minutes and a decision will be given instantly. Applications which are approved by Duologi and have the deposit paid only, will go through to fulfilment, and a delivery date will be provided.

*PLEASE NOTE: Finance orders must be sent to the address provided in the finance application form. An alternative address cannot be used.

Our Finance Example

The following finance examples are based on an a basket containing various items costing £680.00 being purchased on finance.

12 Months Interest-Free Finance (0%APR) with 10% Deposit

Purchase Price: £680.00
Deposit to Pay: £68.00 (10%)
Amount of Credit: £612.00
Monthly Payments: £51.00
Amount of Interest: £0.00
Number of Monthly Payments: 12
Total Amount Payable: £680.00
Rate of Interest (Fixed per annum): 0% (Fixed)
APR Representative: 0%

Am I eligible for finance?

In order to apply for finance you must:

  • 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 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.

    Is there a minimum order value for credit applications?

    Yes. There's a set minimum and maximum on each finance option, so be sure to check your order qualifies. For our standard and 0% finance your order must be between £500 and £15,000.

    Who are Duologi?

    Finance is provided by Duologi which is a trading name of Specialist Lending Ltd. 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.

    Which products are eligible for standard finance?

    All of our products are eligible for our standard finance option, as long as the order meets the minimum and maximum values.*

    Do you require a deposit?

    Yes. a 10% deposit is required before entering into any of our Interest Free Options.

    What information do I need to supply?

    The application form asks for your name, date of birth, 3 year address history, phone and email contact details and income / employment information. If you are accepted you will also need a credit or debit card registered to your name and address as they appear on the application.

    How long will it take to apply?

    The Duologi online application form is fast to complete. Your application is then instantly sent and a decision is typically made in around 10 seconds. Some applications may take longer to process. If for any reason an instant decision can’t be made, you will be notified on screen as part of the application process and also by e-mail, with a follow-up e-mail as soon as a decision is confirmed.

    What address can you deliver to?

    We are only able to deliver your goods to the address on your credit agreement (your home address). You will not be able to have goods shipped to another address or collect the goods from us in person.

    What happens after my application is approved?

    After your application is approved, you will receive an email directly from Duologi Finance - our chosen lender - who will outline the next steps to follow to confirm your identity. We will then ready your order for delivery.

    If your finance application is accepted we'll process your order. You'll be contacted to arrange a delivery date that suits you. Your finance monthly payments will not start until one month after we have dispatched your items.

    Please note, we cannot ship bike finance orders to any address except the billing address.

    What happens if my application is not approved?

    In the event that your application is not accepted, you are still welcome to pay with the conventional methods offered on our site.

    Am I able to pay off my finance early?

    Yes. Simply contact Duologi Finance on 0345 5211 881 and they will calculate your outstanding finance and provide your settlement figure in line with the Consumer Credit Act. The total amount payable varies on the option you choose:

    The 0% offer can simply be paid whenever you're ready, for no extra cost.

    How do i ask questions about the Credit Agreement?

    If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Duologi Finance on 0345 5211 881 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.

    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 Duologi.

    A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and we will refund your deposit, once your purchased goods have been returned to us, subject to our terms and conditions of the return. See here regarding our Returns and Cancellations. They will let you know of any outstanding balance if applicable.

    Does finance affect my ability to return goods?

    No, returns are still accepted according to our Terms and Conditions via our Customer Services department, who will contact the finance company on your behalf in this situation. If the full order is returned, the credit agreement will be cancelled. If only part of the order is returned, the credit agreement will be adjusted accordingly subject to minimum lending requirements.

    If Tradeprices cancels or the Customer invokes their right to withdraw from a Finance Agreement prior to the goods being dispatched, Tradeprices will immediately inform Duologi, and the agreement will be cancelled.

    If Tradeprices cancels or the Customer withdraws from a Finance Agreement following the goods being dispatched, Tradeprices will immediately inform Duologi, and the agreement will be cancelled.

    If the Customer chooses to request either a part or full refund of the loan following dispatch of the Goods/Services, Tradeprices will immediately inform Duologi.

    If you have any questions regarding our finance, or any other question relating to a new or existing agreement, please call us on 02922 679 749.