Finance Options Available
At Carr Bank Garden Centre we understand that some customers prefer to spread the cost of larger purchases. That’s why we’ve partnered with established credit brokers Ideal4Finance to make flexible monthly payments available on selected products including pergolas, garden buildings, hot tubs and more.
Spread the cost with finance
The following options are available, always subject to the lender’s assessment:
- 0% APR finance for 12 months
- 12.9% APR finance for 36, 48, 60 and 120 months
A deposit might be payable, and we will agree this with you before you begin your application.
Representative example
Representative example of a £5,000 purchase made over 5 years with a 25% deposit; Deposit amount £1,250; Total credit £3,750. Finance available at 12.9% APR fixed over 60 months. 60 monthly repayments of £85.13. Total amount payable £5,107.93. Total interest payable £1,357.93.
Try our finance calculator
Use our handy finance calculator to work out the monthly repayments on different loan amounts and terms.
You’ll also see a quick monthly repayment estimate shown directly on the product page for eligible items (£2,000 and over), based on our representative 12.9% APR rate over 60 months with a 25% deposit — simply click through from there to use the full calculator for other terms and amounts.
Important — before you apply
There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.
How it works
- Choose the product you would like to purchase
- Use the calculator above to estimate your monthly repayments
- Click “Apply Now” below to begin your application with Ideal4Finance
- Receive a decision, often instantly
- If approved, complete your purchase and spread the cost over your agreed term
Ready to apply?
If you’re ready to apply, click the button below to begin the application process. If you need support with your application, please call Ideal4Finance on 020 3617 4647 (Mon to Fri, 9am to 5pm).
Frequently asked questions
Will applying affect my credit score?
The application process involves a credit check carried out by the lender. The exact impact on your credit file depends on the lender and the type of search. If you have questions about how a particular search may affect your credit file, the Ideal4Finance team can talk you through this before you apply.
Can I use finance on any product?
Finance is available on selected products including pergolas, garden buildings, hot tubs and other higher-value items. If you’re not sure whether finance is available on the product you’re interested in, just get in touch and we’ll be happy to confirm.
How long does it take to get a decision?
Decisions are often returned instantly through the Ideal4Finance application process, although in some cases additional checks may be required. If your application needs further review, the Ideal4Finance team will be in touch directly.
What if I’m declined?
If your application isn’t approved, you’re still very welcome to purchase using any of our other payment methods. The Ideal4Finance team can also discuss the reason for the decision with you directly.
Can I pay my finance off early?
The terms around early repayment depend on the specific lender and agreement you take out. Full details will be provided in your finance documentation before you sign anything, so you can review the terms in full.
Have questions? Get in touch
If you’d like to chat through your options before applying, fill in the form below or give us a call on 01524 762313 and we’ll be happy to help.
Carr Bank Garden Centre Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.