Buy Now – Pay Later Finance Sep 2019 2019-09-03T08:53:31+00:00

Nothing to pay for 12 months

A flexible finance option for all your home improvements.

Click ‘Apply Now – Instant Decision’ to enjoy your home improvement sooner rather than later.

Apply Now – Instant Decision

Buy Now – Pay Later Finance

  • Settle off anytime with no early repayment penalty
  • Avoid interest when you pay off within the payment free period
  • Ideal for emergencies such as a broken boiler
  • Pay it off in chunks before the payment free period ends
Apply Now – Instant Decision

Finance your Home Improvements in 3 easy steps

APPLY

APPLY

Apply online for an instant credit decision.

INSTALL

INSTALL

Have your new home improvement installed.

PAY NOTHING

PAY NOTHING

Nothing to pay
for 12 months.

Select your finance

Use the finance calculator below to see how much the repayments will be and total repayable after the payment free period and then complete our simple application form for an instant credit decision. * These fields are mandatory.

Total Amount

£ *

Deposit

£ *

Loan Amount

£ *

Nothing to pay for 12 months and then...

48 Monthly Payments of

£ *

Total Interest (18.9% APR)

£ *

Total Repayable

£ *

About you

About your install

I declare that I have not received financial advice of any kind. I understand that financial advice is available from Improveasy Finance Solutions and I know how to get in contact with them. I am happy for Improveasy Finance Solutions to use the details I have entered in to this form to apply for finance in relation to my intended home improvement measure. The above calculations are for quotation purposes only and may vary from your actual application.

Frequently Asked Questions

Improveasy are a finance company who specialise in producing bespoke financial solutions to homeowners across the UK. We work with our nationwide network of accredited installers and manufacturers to ensure that your new home improvements are financed in the best possible way. Improveasy act as a Broker for finance via a panel of lenders. The credit provided is subject to application and status.
Applicants must be 18 and over at the time of application – Must be younger than 80 years old on the day of the last payment of the agreement – Permanent UK resident and home owner – In regular permanent employment (min 16 hours or more) – Self Employed – Retired with proof of state, private or company pension – Long term invalidity / disability / mobility benefit (details of income must be supplied including reference numbers).
Yes, shortly after installation of your new home improvement measure/s the lender will write to you. You can then contact the lender directly to arrange to change the date of your monthly direct debit
An application should take approximately 15 – 20 minutes to complete.
You will receive an instant ‘accept’ or ‘decline’ from the lender once your online application is submitted. On occasion this may be referred to an underwriter to review your application if a decision is borderline. For example: Inaccuracies in your application, missing information, markers on your credit file etc. If an underwriter steps in this can take up to 20 minutes to come back with a decision (Underwriters available 9am – 6pm Mon-Fri).
An Annual Percentage Rate (APR) is the interest displayed as a fixed percentage to be used as a comparison against the cost of other forms of finance, credit, and loans.
No. Finance provided by Improveasy is not secured against any form of property or asset and is classed as ‘unsecured personal finance’. The details regarding this will be clearly outlined on your Consumer Credit Agreement.
You can call Improveasy and speak to one of our advisers who will be able to assist you with any enquiries on our free phone number 0800 024 8505 select option 2.
Buy Now Pay Later or BNPL is a convenient way to pay for purchases through credit. The customer enters into a credit agreement with Duologi whereby they have an initial payment free period (or deferred period) followed by a monthly repayment period in which to pay off the loan as per the loan agreement.
No, as long as the customer pays off the entire credit amount before the end of the last day of the payment free period, they will only have to pay the original loan amount with zero interest.
There are no monthly payments to be made during the payment free period by the customer.
If the customer wishes to rollover the loan beyond the payment free period, they will need to start making monthly payments starting one month after the last day of the payment-free period. The number of monthly payments will be stated in the terms of the agreement.
Yes, if the customer rolls over the loan after the payment free period, they will have to pay interest as per the terms of the loan agreement and as quoted to them before the agreement is formally signed by them.
Once the customer rolls over the loan after the payment free period, interest will be payable by them at the quoted APR from the date of the original loan.

Please refer to the following example:

Original loan date: 1/1/2018
Loan Term: 48 month term
Deferred (i.e. payment free) term: 12 months
Therefore, payment term: 36 months
APR: 19.5%
Rollover date: 1/1/2019
Interest payable after rollover: At APR 19.5% from original loan date, i.e. 1/1/2018

The interest and capital repayment amount will have been quoted to the customer as part of the customer journey before they sign the agreement.

Yes, the customer can settle part or the full amount outstanding of the loan at any time by calling our Customer Services team on the number provided.
Yes, as a responsible lender, Duologi will send a written reminder to the customer at least 4 weeks in advance of them approaching the end of the payment free period to enable them to make a decision whether to settle the loan in full before the end of the payment free term or to rollover.
Yes, like our other credit products, BNPL purchases are subject to minimum and maximum loan amounts. Please refer to the rate card agreed as part of the RTA for details.

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