Since 24th December 1994, Eclipse Kitchens & Bedrooms Ltd has been fortunate enough to hold a consumer credit licence enabling us “availability”
and “affordability” of “competitive” home improvement loans turning potential customer’s “dreams” into “reality”. Currently we are
able to offer 3 Finance Options that will suit all individual’ requirements: “Low Rate Loan” -“Buy Now Pay Later”–“Interest Free Credit”
Simple, quick applications
All our home improvement loans are “unsecured” and are available to full time employed, self employed and to the retired (subject to status).
In addition customers requiring “supply only” projects may apply. One simple on-line application form, available 24 hours a day – 7
days a week, avoiding inconvenient bank visits. All applications are processed immediately, offering swift decisions.
Retail Finance Solutions
Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over. Eclipse Creative Furniture
Concepts acts as a credit broker not a lender and only offers credit products for Ikano Bank AB (publ). Ikano Bank is authorised in
Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject to limited regulation by the Financial Conduct Authority.
Ikano Bank is a trading name of the UK branch of Ikano Bank AB (publ), which is registered with branch number BR016253. The registered
office of the UK branch of Ikano Bank AB (publ) is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ
Interest Free Loans
This facility is available from £1000 to £15,000 minimum £100 deposit required, offering “free credit” for 12 months i.e. “0% APR” – Repayments
begin 1 month after delivery (supply only) or completion of project (if fitted). Ideal for where quotations exceed readily available funds,
the interest free option can be used as a “top up” to bridge the difference! Click the button for representative example (if monthly repayment
for required amount exceeds monthly affordability why not try the “Low Rate Loan” to lower the monthly repayment).
Interest Free Loan Example
Please see representative examples below
Amount to borrow:
£ 5000
Deposit:
£ 500
Total Loan Amount:
£ 4500.00
Monthly Repayments:
£ 187.50
Number of Repayments:
12/24
Total Amount Payable:
£ 5,000.00
Rate of Interest:
0.0% AIR
Representative APR:
0.0% APR
Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over. Eclipse Creative
Furniture Concepts acts as a credit broker not a lender and offers credit products for Ikano Bank AB (publ) and a panel
of lenders. Ikano Bank is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject
to limited regulation by the Financial Conduct Authority. Ikano Bank is a trading name of the UK branch of Ikano Bank AB
(publ), which is registered with branch number BR016253.The registered office of the UK branch of Ikano Bank AB (publ)
is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ Eclipse Creative Furniture Concepts is authorised
and regulated by the Financial Conduct Authority. We are a Credit Broker and not a Lender. We offer Credit Facilities from
one Lender Ikano Bank AB (publ)
Low Rate Loans
This facility can offer a very, very competitive rate as low as 5.9% APR available with repayment periods of 36, 48, 60 and 120 months
to suit personal “affordable” repayments. Loans available from £1000 to £35,000 minimum £100 deposit required. Click the button for representative
example
Low Rate Loan Example
Please see representative examples below
Amount to borrow:
£ 5000
Deposit:
£ 500
Total Loan Amount:
£ 4500.00
Monthly Repayments:
£ 136.32
Number of Repayments:
35
Final Payment of:
£ 136.32
Agreement Length:
36 Months
Total Amount Payable:
£ 4,918.72
Total Credit Charge:
£ 418.72
Rate of Interest:
5.7% AIR
Representative APR:
5.9% APR
Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over. Eclipse Creative
Furniture Concepts acts as a credit broker not a lender and offers credit products for Ikano Bank AB (publ) and a panel
of lenders. Ikano Bank is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject
to limited regulation by the Financial Conduct Authority. Ikano Bank is a trading name of the UK branch of Ikano Bank AB
(publ), which is registered with branch number BR016253.The registered office of the UK branch of Ikano Bank AB (publ)
is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ Eclipse Creative Furniture Concepts is authorised
and regulated by the Financial Conduct Authority. We are a Credit Broker and not a Lender. We offer Credit Facilities from
one Lender Ikano Bank AB (publ)
Buy Now Pay Later
This facility offers the consumer the option to proceed with a home improvement i.e. Kitchen and/or Bedroom “now” at today’s prices with a
minimum £100 deposit, “payment free” for 9 months then have the option to pay the balance in full (which is in fact “interest free”) or
roll over into the repayment period of 72 months, with a typical APR of just 9.9%. Ideal in situations where an individuals funding is
not quite available but is up and coming within the 9 month period. Click the button for representative example via on-line calculator
Buy Now Pay Later Example
Please see representative examples below
Total loan amount
£4,500.00
Monthly repayment
£119.00
Number of repayments
59
And final payment of
£118.36
Agreement length
72 Months
Total amount payable
£7,144.08
Deferred period
12 months
Repay in defer period
£4,500.00
Exit admin fee
£0.00
Total credit charge
£2,644.08
Rate of interest
14.0%
Representative APR
14.9%
Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over. Eclipse Creative
Furniture Concepts acts as a credit broker not a lender and offers credit products for Ikano Bank AB (publ) and a panel
of lenders. Ikano Bank is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject
to limited regulation by the Financial Conduct Authority. Ikano Bank is a trading name of the UK branch of Ikano Bank AB
(publ), which is registered with branch number BR016253.The registered office of the UK branch of Ikano Bank AB (publ)
is Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ Eclipse Creative Furniture Concepts is authorised
and regulated by the Financial Conduct Authority. We are a Credit Broker and not a Lender. We offer Credit Facilities from
one Lender Ikano Bank AB (publ)
