Credit Terms

Finance Available

 

REPRESENTATIVE EXAMPLE

ITEM VALUE (CASH PRICE) : £1600

DEPOSIT : £100

TOTAL AMOUNT OF CREDIT : £1500

DURATION OF AGREEMENT : 12 MONTHS

REPRESENTATIVE APR : 0% APR

RATE OF INTEREST : 0% p.a.

12 MONTHLY PAYMENTS OF : £150

TOTAL AMOUNT PAYABLE : £1600




INTEREST FREE CREDIT

IN STORE FINANCE AVAILABLE

Competitive finance available on orders of £1000 and over.

R & J Leather (Scotland) Ltd offers you interest free finance from Ikano Bank AB (publ).
Pay with monthly finance instalments at no extra costs.
If you would like to apply for finance, please visit our showroom.
Our sales staff can talk you through the available monthly finance plans and process your application in minutes


Terms and Conditions

  • To qualify you need to spend a minimum of £1000
  • ID will be required for application (proof of address & proof of signature)
  • Credit is subject to application and status
  • Full terms and conditions available on application
  • You will need to visit one of our showrooms to apply.



Who Can Apply for Finance?

  • Applicant must be 18 years or over on application date
  • In permanent UK Residence – minimum of 3 years
  • Retired from regular employment. Minimum age 50
  • Not working through disability
  • Self-Employed
  • In regular, permanent employment working a minimum of 16 hours per week (Includes students)


R & J Leather (Scotland) Ltd ACTS AS A CREDIT BROKER AND NOT THE LENDER
R & J Leather Ltd, East Station Industrial Estate, Larkhall ML9 2UJ



Finance agreements:

Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents aged 18 or over.  R&J Leather (Scotland) Ltd  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.

Orders will be placed and goods allocated only after finance is approved. Some agreements may be delayed whilst status is checked, this process is called referral.
Once approved, your credit agreement forms part of a legally binding contract, regardless of whether a deposit has been paid. This means that by entering into such an agreement, you are obliged to pay the specified amount on the dates set out in the agreement until the order has been paid in full.