0% APR Representative
Park Furnishers acts as a credit intermediary and offers credit products from Creation Consumer Finance Limited. Park Furnishers acts as a credit broker and not the lender. Park Furnishers 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.
Terms & Conditions
Qualifying spend thresholds and duration of the finance term
In store offer
|Minimum loan value||Loan term (months)||Deposit||Maximum loan amount|
|Minimum loan value||Loan term (months)||Deposit||Maximum loan amount|
Interest free credit is subject to status and affordability. For online purchases, you will complete your finance application during the online checkout. This will take approximately 20 minutes and will include a credit check. An employer reference check may also be required. No order or contract exists and no goods will be dispatched until these checks are made and receipt of your e-signature credit agreement is confirmed. A failed application for finance may affect your credit status. Duration of interest free credit is dependent upon spend level and non-negotiable.
Finance terms and conditions online may differ from those offered in store. Please contact your branch before making a visit to ensure that the items you require are eligible for interest free credit.
Park Furnishers is pleased to offer you the option of paying for your shopping in easy to manage installments, including an option that is completely interest free.
Unless otherwise stated, Conservatories are not sold with interest free credit - check in store for applicable finance packages.
Please be aware that your order remains on hold until the cancellation period has expired.
How do I choose to pay by interest free credit?
Just select the interest free credit option on the checkout page or let the sales consultant know if you're buying in our showrooms.
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Acceptance is subject to status.
Creation Consumer Finance Limited
Interest Free Credit and Interest Bearing Credit is provided by Creation Consumer Finance Limited. Authorised and regulated by the Financial Conduct Authority (FCA). The FCA has laid out a number of principles which include explicit and implicit guidance on the fair treatment of customers. These can be found on the FCA website www.fca.org.uk
Note - Finance is only applicable to UK residents.
Park Furnishers are licensed, credit brokers
Credit is subject to status and written quotations are available on request. The credit advertised is provided by one credit provider with whom we have a commercial relationship.
Applying for online finance
Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.
When you buy online from Park Furnishers you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you on how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.
How do I contact Creation Consumer Finance Limited?
For Creation Consumer Finance Limited questions and FAQ's please visit their support page at https://www.creation.co.uk/faqs
Email: [email protected]
Phone: 0371 402 8905
Outside of these hours you will be able to use the automated services to make payments or access account information.
Address: Creation Consumer Finance Ltd, Chadwick House, Blenheim Court, Solihull B91 2AA
How can I make payments to my account?
From here you can make payments, view information about your account, update your details and much more.
Call Creation on 0371 402 8905 and pay through their automated system using either a Debit or Credit Card.
What types of payment do Creation accept?
Can I pay more than my monthly repayment?
You can increase the amount of your monthly payment or make additional payments at any time to reduce your account balance and shorten the term of your loan.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on the screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement (Park Furnishers) will be notified and you need to do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Creation Consumer Finance Limited. Shipment of your goods will follow soon after your agreement has been returned to our finance company.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income, and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, or disability.
If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments, and information held at the credit reference agencies. Though we are unable to provide you with the main reason for the decline of your application, it is usually based on one, or a combination of the following:
· Your credit score (note that every finance company will score you differently)
· Adverse credit reference agency information
· You are considered to be overcommitted
· You are aged under 18
· Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example, electoral roll, County Court Judgements, and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
Consumer Help Desk Experian Limited PO Box 8000
Nottingham NG1 5GX
Equifax Ltd., Credit File Advice Centre. PO Box 1140.
Bradford, BD1 5US
Consumer Services, TransUnion International UK Limited, PO Box 491,
Leeds, LS3 1WZ
The above-listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.
Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years or more. You must be able to provide a valid telephone number, email address and a bank account in the applicants name which supports direct debit. Homemakers aren't excluded from applying under their own names; however, we will require the employment details of your spouse in order to process your application.
Unfortunately, we are unable to offer online finance to residents of Eire.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you.
How do I raise a complaint?
Please contact us (Park Furnishers) with details of your complaint. If you still have not resolved your concerns and you have purchased a product with the assistance of retail finance provided by Creation Consumer Finance Limited, then you can direct any complaint to them and they will then work with Park Furnishers to seek a resolution. You can also escalate your complaint to the Financial Ombudsman Service (https://www.financial-ombudsman.org.uk/) if you feel that Park Furnishers and Creation Consumer Finance Limited have not addressed the issues you have raised in a reasonable manner.
Official company information
Company Name: Park Furnishers
Eastgate Retail Park
Registered Head Office
Mwyndy Business Park
Rhondda Cynon Taff
Registered Company Number in England and Wales : 00563751
VAT number: 135044206