FINANCE CALCULATOR

See how affordable your home improvement can be with our Finance Calculator.
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To make life easy for you, James Oliver can arrange a variety of convenient easy payment finance options (subject to application & affordability). Making an application is simple and we promise you a quick decision. Everything can be sorted out with you in the comfort of your home or at our Lincoln showroom and you should get an answer to your application within 24 hours, so you can enjoy whatever you’ve set your heart on right away.

  • BUY NOW PAY MONTHLY 12.4% APR Representative Spread the cost of your home improvements over 60, 120 or 154 months*
  • BUY NOW PAY IN 6 MONTHS 19.9% APR Represenative Order today and pay nothing for 6 months.
£
60 monthly payments
Deposit
£
Representative APR
12.4%
120 monthly payments
Deposit
£
Representative APR
12.4%
154 monthly payments
Deposit
£
Representative APR
12.4%
This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 60, 120 or 154 months*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation. *120 & 154 months finance only available for orders over £8,000.

Representative Example

Cash Price
£20,000.00
Deposit
£2,000.00
Total Amount of Credit
£18,000.00
Duration of Agreement
60 Months
Rate of Interest
12.4% p.a. fixed
Representative APR
12.4% APR
60 Monthly Payments
£398.12
Total Amount Payable
£25,887.20
Credit is subject to application and affordability. Terms and conditions apply. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No. 04779150) act a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register No. 704348).
£
Deposit
£
Pay within 6 months + £29 exit fee
£
Want to pay in monthly instalments after 6 months rather than one-off payment? Consider this option.
120 monthly payments
Deposit
£
Representative APR over 10 years
19.9%
This option allows you a 6 month payment holiday from the date of completion. Pay 10% deposit when you order, and as long as you pay the outstanding balance in full before 6 months has elapsed plus a £29 settlement fee, no interest will be charged. If, after 6 months, this is not convenient, you can pay in 120 monthly installments at 19.9% APR Representative. *Deferred for 6 months from the date of completion – £29 settlement fee applies if the loan is repaid in full during the deferral period and NO INTEREST will be paid. For legal reasons the Representative Example shows interest IF the outstanding balance is NOT paid before the 6 months has elapsed. No security is required on this loan. These calculators are for illustrative purposes only and do not constitute a credit quotation. For legal reasons the Representative Example shows interest IF the outstanding balance is NOT paid before the 6 months has elapsed. No security is required on this loan. These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example

Cash Price
£12,000.00
Deposit
£1,200.00
Total Amount of Credit
£10,800.00
Defer By
6 Months
Duration of Agreement
126 Months*
Rate of Interest
19.9% p.a. fixed
Representative APR
19.9% APR
120 Monthly Payments
£212.06
Total Amount Payable
£26,647.20
Settlement Fee
£29.00
Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £1,500. Authorised and regulated by the Financial Conduct Authority. James Oliver Conservatories Limited of 1 Crofton Road, Allenby Trading Estate, Lincolnshire, LN3 4NL (Registered Company No. 04779150) act a credit broker not a lender and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register No. 704348).

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Our friendly team will be pleased to help with any questions you may have.

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Everyone is welcome to come in and browse around our showroom, where our friendly sales team will be pleased to help with any questions you may have over a cup of coffee.

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