Take a repayment holiday at the start of the agreement and enjoy all the pleasure of your new bedroom with none of the pain of paying for it. If you chose this product and you repay before the end of the holiday period (12 months), you pay no interest.

If, however, you do not clear the balance in the 12 months interest-free period, then the amount will become repayable over 48 months at a typical APR rate of 19.9% and becomes a debt due to ourselves. We will discuss this with you at the time of non-payment.