Spread the cost with interest free credit - you're just a 25% deposit away.
We know buying new furniture is an investment. That's why we've teamed up with Barclays Partner Finance to help you spread the cost of your purchase at no additional cost. To apply, simply select the Interest Free Credit option when you check out.
bFlex from Barclays Partner Finance gives you flexibility and control, letting you choose a monthly repayment amount or loan length of between 6 to 18 months available on orders of £1,250 up to £9,300.
The example below is based on a typical purchase using Heal's Interest Free Credit.
ITEM VALUE (CASH PRICE):
Total Amount Of Credit:
Annual Rate Of Interest:
18 x Monthly Payments:
Total Amount Repayable:
* Interest Free Credit is subject to application and status. Heal and Son Ltd act as a credit broker and not the lender.
Payment and Term
At the final stage of the checkout you will be given the option to select your payment method. Upon selecting Heal's Interest Free Credit, you will be shown representative examples of monthly repayments over a variety of payment terms (between 6 to 18 months) based on 75% of your order value (25% of the balance being required by way of deposit).
Prior to payment, you will be redirected to Barclays Partner Finance website where you will be able to select your preferred terms before progressing with your application.
How Long Will it Take to Apply?
The application shouldn't take more than 10 minutes, with an instant answer on whether your application for finance has been successful.
You will be asked to choose your monthly payment amount and terms before confirming information you have entered as part of the checkout process. Additional information on your employment and residential status is also required.
In some cases, Barclays bank – our financial services provider - will need to assess the application in more detail before making their decision.
When selecting Heal's interest Free Credit at the checkout, 75% of your order total will be passed to Barclays to calculate your payment terms and monthly payment. To prevent fraud, 25% of the order value will be held by Heal’s as a deposit of your payment.
Following a successful application, a designated member of our Customer Services team will contact you to process payment of your deposit via a credit or debit card. Once we have received your deposit, we will begin processing the order for delivery within the given lead time.
Finance Terms and Conditions
If your application is successful, you’ll be asked to sign a finance agreement (stock will not be allocated until this process is completed).
Heal's Interest Free Credit is subject to status. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Heal and Son Ltd, 196 Tottenham Court Road, London, W1T 7LQ Registered in England and Wales, 926722 acts as a credit broker and not the lender. Heal and Son Ltd only offers products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753 ). Registered in England. Registered No. 2901725. Registered office: 1 Churchill Place, London E14 5HP. If your application is successful you will enter into a Credit Agreement with Barclays Finance.
Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).
Should you have any questions that aren't covered on this page please contact one of our dedicated Customer Services team call us on 0207 896 7451.
Who Can Apply?
Finance is available on orders of £1,250 or more, placed on the Heal’s website. The total amount of your order will include any additional services and delivery options selected.
To successfully apply for 0% Interest Free credit, you'll need to be:
- 18 years or older.
- A permanent UK resident for 3 years or more.
- Able to make regular repayments via Direct Debit
- In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with a spouse/partner who is in regular employment*
- Have a debit card or credit card in your name and registered to your address as well as a bank or building society current account
- Other conditions may apply and we cannot guarantee that your application will be accepted
* If you are retired and receive a pension, or are registered disabled and unable to work, Barclays Finance may ask for proof of sufficient income.
WHAT IF MY FINANCE APPLICATION IS UNSUCCESSFUL?
Applications may not be accepted for a number of reasons, including incorrect information or failing to meet the specified requirements.
If your application is declined, it’s usually for one of the following reasons:
- You do not meet the eligibility criteria
- Adverse credit reference agency information
- Your credit score
- Your existing account performance with other lenders
- You are considered to be overcommitted financially
If your application is unsuccessful your order will automatically be cancelled. You can still purchase the item in full via PayPal or with a valid credit or debit card. If you wish to reapply please call us on 020 7896 7520 or email [email protected].
Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753 ). Registered in England. Registered No. 2901725. Registered office: 1 Churchill Place, London E14 5HP. If your application is successful you will enter into a Credit Agreement with Barclays Finance.