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To purchase using Close Brothers Retail Finance, add the qualifying item(s) to your basket and choose Close Brothers when you are at the payment stage of the checkout. On qualifying product pages you will be shown examples of the finance packages available and the associated payment plan. Provided you are purchasing a product that qualifies for finance you can place other items into your shopping basket and then to select a finance product that fits your budget, this is done during the checkout process.
Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Close Brothers whose smart technology lets you apply for and complete the loan application quickly and entirely online.
Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Close Brothers. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!
You will only be considered for finance if you:
- Are at least 18 years old - You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance) - Are a permanent UK resident and have lived in the UK for at least 3 years. - Have a UK bank account capable of accepting Direct Debits - Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies. - Provide an email address so your documentation can be emailed to you.
Your application will be assessed based on eligibility, credit history and affordability and Close Brothers will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, Close Brothers will provide their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.
Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us directly. We can cancel the application on your behalf. There is no need to contact Close Brothers Retail Finance.
A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
The online application takes approximately 3 minutes to complete and the application is automatically sent to the finance company who will typically respond with their decision in around 10 seconds.Some applications may take a little longer to process, if for any reason an instant decision cannot be made, Close Brothers will send you an email the moment the finance company makes the decision.Once you have been approved, we will be notified and process your order. We will inform Close Brothers once the goods have been despatched.
The goods must be delivered to the address provided on the finance application, we cannot offer the option ‘collect in store’. You will then receive confirmation from the finance company to confirm the repayment amount and the schedule.
Your monthly repayments are collected by direct debit.
You have the right to repay all or part of the credit early at any time.
You have 30 days from the date after the date you sign for the goodsMusic Matter will cancel your credit agreement and Close Brothers will return your original deposit.
Close Brothers Retail Finance is a trading style of Close Brothers Limited - a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (register number ) and Prudential Regulation Authority. Registered Address: 10 Crown Place, London EC2A 4FT. Registered at Companies House Number 195626.
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. A minimum deposit of 10% is applied to online finance.
Matter Retail Ltd act as credit broker and not a lender.
Matter Retail Ltd are authorised and regulated by the Financial Conduct Authority, register number 746855.
Finance is provided through Close Brothers. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.