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FADS Finance

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Select pay on finance at checkout


Complete the easy application

£ CASH EXAMPLE (Representative Example Only. Subject to Availability. T&C's Apply)

12 months' credit (0% APR)

Customer spend £1,000.00

25% deposit £250.00

Credit facility £750.00

Monthly repayments £62.50

Number of repayments 12

Total charge inc credit £1,000.00


Q. Can I choose the amount of months I wish to pay & the deposit value?

Yes of course, our system uses a 25% deposit. Depending on the value of your basket you will only be entitled to selected Finance options. Minimum net finance value must be £450 after discounts and deposit. Please find below options.

  • 6 months at 0% APR
  • 12 months at 0% APR

Q. What will happen if I'm approved for a credit facility?

If we initially approve your application, your information will be passed to our third party credit provider. They will conduct their own detailed assessment of your financial situation according to their own underwriting criteria. Please note, the credit agreement is formed upon confirmation of your order however until the goods are dispatched you will not make any monthly repayments.

Q. Is an authorised credit broker? is a division of EDPA Limited. EDPA Limited is a Licenced Credit Broker "Licence Number 689375". Credit is subject to status and available to permanent UK residents only.

Q. Who provides the finance?

Finance will be provided by Close Brothers Retail Finance, a trading style of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Firm reference number 124750. Close Brothers Limited is registered in England and Wales (Company Number 00195626) and its registered office is 10 Crown Place, London, EC2A 4FT.

Q. Who is eligible to apply for finance?

Finance is available on all products of £450 or more placed on our website which includes additional services. You will need to be;

  • Aged 18 years or older
  • A UK resident for 3 years or more/ Permanent UK resident
  • In regular employment (minimum 16 hours per week), including self-employment, or in a permanent residence with your spouse/partner who's in regular employment. We do not provide credit to Students
  • Have a debit card or credit card in your name and registered to your address.
  • Have a bank or building society current account
  • Other conditions may apply and we cannot guarantee that your application will be accepted

Q. How long does the finance application take?

You will need to complete the application online and once finished you will get an instant answer as to whether your application has been successful. Our credit provider will then look your application in greater detail before making their final decision.

Q. What do I need to apply?

It's simple, to complete the application fill in the required boxes at checkout. It is important you provide accurate and detailed information in order for the lender to make a decision. You will be required to electronically provide a signature. You may be required to add documents to your application such as driving license, passport or a utility bill in order to verify yourself.

Q. What happens if my application is rejected?

Applications may not be accepted by the lender due to your personal circumstances or by not meeting strict specified affordability requirements. We cannot guarantee that your application will be accepted. If your application is not successful, you can still purchase your goods using a debit card or credit card via the checkout.
Your application may have declined due to the following;

  • You do not meet the specified criteria
  • Poor credit references
  • Credit score
  • You are overcommitted financially

If you wish to appeal the decision made by our Lender please contact 0333 321 6100

Q. If I have a poor credit rating, can I still get finance?

It is solely dependent on your personal circumstances and the strict criteria required by our Lenders. We cannot guarantee that your application will be successful however you can complete the application online within several minutes.

Q. How much deposit do I have to pay?

A minimum of 25% is required.

Q. What happens if I cancel my order?

If you have changed your mind on the entire prior to the goods being dispatched, we will refund your deposit and cancel your credit agreement with the Lender. Cancelling your contract prior to the goods being dispatched will have no bearing on your credit rating. The credit agreement is formed upon confirmation of your order however until the goods are delivered you will not make any monthly repayments.

Q. What happens if I cancel or increase part of my order or receive a discount?

Do not worry, as per the answer above, we will amend the contract accordingly and this will have no bearing on your credit rating. The credit agreement is formed upon confirmation of your order however until the goods are delivered you will not make any monthly repayments.

Q. Can I return my order if I do not like it?

If you do not like your goods, you can return them within 14 working days of delivery. Please refer to our Standard Terms & Conditions regarding our Returns Procedure. Once our Customer Service team has received written confirmation that you wish to return your goods, we will cancel the agreement with your Lender. The Lender will provide a refund of the settlement value of the loan up to the agreed settlement date.

Q. What are my terms of agreement?

We Are a Credit Broker and therefore we do not make provide credit ourselves or make decisions about whether or not credit can be provided to you. This is done by our third party credit provider, Close Brothers Finance. All finance is subject to status and income. Written Quotation upon request.

*Rates and terms of credit are subject to status and are issued by Close Brothers Finance when they assess your circumstances and affordability and when they approve your application. Affordability will be assessed by the chosen finance provider.

Commission Disclosure -Fees/commission may be earned from the selected credit provider. Each provider will pay a varied amount of commission dependent on length of term, rate charged, amount financed and product. We will respond to Commission Disclosure request within 14 days. Please take into consideration that all or a portion of commission earned by us will need to be repaid to the credit provider by us when agreements are settled early or fall into default. 

Please see Terms and Conditions for more information.

Complaints Policy

If you wish to complain
We take all complaints seriously and welcome any feedback you may have to help to improve our service in the future. If you have are unhappy with any service that has been provided by us, please let us know so we can resolve these issues going forward and so that we can deal with your complaint appropriately.

What to do if you have a complaint
If you have any complaint about our firm, please contact Close Brothers Group plc, 10 Crown Place, London. EC2A 4FT, or you call 0333 321 61006 or you can email us at Please provide us with as much information as possible about the nature of your complaint.

What we will do when dealing with your complaint
We will acknowledge of your complaint within 5 working days of it being received unless we are able to resolve the complaint within the first 24 hours of receipt. If we cannot resolve the complaint within eight weeks we will write to you explaining why, along with an indication of when we expect to issue a ‘Final Response’.

Keeping you up to date
We aim to resolve all complaints as quickly as possible (usually within eight weeks), but in exceptional circumstances that may not be possible. Over the course of the investigation into any complaint we may ask you for further information to assist us resolving the case and your prompt reply to these requests would be gratefully appreciated. If we have not resolved your complaint within eight weeks from the date we receive it, we will write to you with the reasons why and enclose the Financial Ombudsman booklet ‘Your Complaint and the Ombudsman’. We will also advise you when we expect to issue our ‘final response’, and if you are not satisfied with the progress of our investigation you may refer the matter to the Financial Ombudsman Service.

Reaching our decision.
Once we have adequately investigated your complaint, we will provide you with a ‘final response’ in writing, which will clearly explain the outcome of our investigations.

We will enclose the Financial Ombudsman booklet ‘Your Complaint and the Ombudsman’ which explains your rights to refer your complaint to the Financial Ombudsman Service if you are not satisfied with the outcome of our investigation and which explains that you must do so within six months of the date we issue our ‘final response’ to you’.


Why Shop With FADS