FINANCE CALCULATOR

Bring your home aesthetic to life, see how affordable your furnishings can be with our finance calculator.

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 Spread the cost of your purchase over 36, 48 or 60 months*
  • BUY NOW PAY IN 12 MONTHS This option allows you a 12 month payment holiday from the date of your purchase.
£
Spread the cost over 3, 4 or 5 years...
36 monthly payments
Deposit
£
Representative APR
11.9%
48 monthly payments
Deposit
£
Representative APR
11.9%
60 monthly payments
Deposit
£
Representative APR
11.9%
This finance option allows you the convenience and flexibility of spreading the cost of your purchases over 3, 4 or 5 years*. 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.

Representative Example

Cash Price
£1,500.00
Deposit
£375.00
Total Amount of Credit
£1,125.00
Duration of Agreement
60 Months
Rate of Interest
11.9% p.a. fixed
Representative APR
11.9% APR
60 Monthly Payments
£24.63
Total Amount Payable
£1,852.80
Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £1,000. 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 12 months + £29 exit fee
£
Want to pay in monthly instalments after 12 months rather than one-off payment? Consider this option.
60 monthly payments
Deposit
£
Representative APR over 5 years
13.9%
This option allows you a 12 month payment holiday from the date of your purchase. Pay 25% deposit when you place your order, and as long as you pay the outstanding balance in full before 12 months has elapsed plus a £29 settlement fee, no interest will be charged. If, after 12 months, this is not convenient, you can pay in 60 monthly installments at 13.9% APR Representative. *Deferred for 12 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. If the loan is not settled in full within the deferral period, then interest will have accrued from the start of the agreement on any amount still outstanding at the end of the deferral period. Interest will continue to be charged until the agreement is repaid in full.  For legal reasons the Representative Example shows interest IF the outstanding balance is NOT paid before the 12 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
£1,500.00
Deposit
£375.00
Total Amount of Credit
£1,125.00
Defer By
12 Months
Duration of Agreement
72 Months*
Rate of Interest
13.9% p.a. fixed
Representative APR
13.9% APR
60 Monthly Payments
£28.90
Total Amount Payable
£2,109.00
Settlement Fee
£29.00
Credit is subject to application and affordability. Terms and conditions apply. Minimum loan value £1,000. 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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