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Finance Options

4 Ways to Pay

With a choice of four different payment options, you can select the option that works best for you and we can get started today.

We offer loans from Hitachi Capital. We do not receive commission and we do not charge you for our credit broking services. All credit applications are subject to status and a credit search.

Solarframe Direct Limited are authorised and regulated by the Financial Conduct Authority as a credit broker. You can visit the FCA website here and search for us to see our status.

Interest free credit

Simply pay a deposit, then we’ll work out how much you need to pay each month, interest free of course. Your payments will be taken by direct debit each month and, of course, you can pay the remaining balance off in full at any time. Interest free credit is available on purchases over 24 or 36 months at 0% APR.

  • Representative 0% APR
  • Monthly Payments over 24 or 36 Months
  • No Interest payable
  • Deposit Required

Representative Example for 24 Months:

Cash price of £10,000. Deposit amount £2,500 Total amount of credit £7,500. Interest Rate 0%. Representative APR 0%. Duration of Agreement 24 months. 24 monthly instalments of £312.50. Total Amount payable £10,000. Early exit fee £0.00.

Representative Example for 36 Months:

Cash price of £10,000. Deposit amount £5,000 Total amount of credit £5,000. Interest Rate 0%. Representative APR 0%. Duration of Agreement 36 months. 36 monthly instalments of £138.88. Total Amount payable £10,000. Early exit fee £0.00.

Buy now pay in 12 months

This option offers you the option to defer payments for 12 months during which you have the choice to settle interest free by paying the amount borrowed. If you don’t settle by the end of the deferred period, interest will have accrued from the inception of the loan agreement on any amount outstanding at the end of the deferral period and you can then repay by the monthly instalments.

  • Representative 11.9% APR
  • Defer Payments for 12 months
  • No Interest payable for 12 months
  • No deposit Required

Representative Example:

Cash price of £10,000. Deposit amount £0.00. Total amount of credit £10,000. Interest Rate 0%. Representative APR 0%. Duration of Agreement 12 months. 12 monthly instalments of £833.33.

Total Amount payable £10,000. Exit Fee if settled during deferral period £0.00. If not settled in deferred period, 120 monthly payments of £154.54, Interest Rate 7.8%. Representative APR 11.9% Total charge for credit £8544.80 Total amount repayable £18,544.80

Flexible monthly payments

This option allows you to spread the cost of your purchase into affordable monthly payments. Repayments are flexible but subject to the minimum repayment below. You can therefore control the term of the loan and the interest you would pay. Minimum loan Value: £1,000.00 for 60, 120 or 180 monthly payments.

  • Spread the cost over a flexible time period that suits you - up to 15 years
  • Option to make additional payments at any time which could reduce the term of the loan & total interest payment
  • Representative APR 7.9%
  • No deposit required

Representative Example:

Cash price of £10,000. Deposit £0.00. Total amount of credit £10,000. 120 monthly payments of £119.40, Interest Rate 4.3%. Representative APR 7.9%.

Total charge for credit £4,328.00. Total amount repayable £14,328.00. Early exit fee £0.00

Buy now, pay later

If you choose this option, you’ll have nothing to pay for the first 3 months. If after this period you don’t settle, you can then repay by monthly instalments over a 60-month period at 5.9% APR.

  • Nothing to pay for the first 3 months.
  • After which you can chose to pay in full or repay by monthly instalments over a 60 month period
  • Representative APR 5.9%.
  • No deposit required

Representative example:

Deferral Period 12 months. Deferral Start date: Installation. Cash price of £10,000 Deposit £0.00. Total amount of credit £10,000. 120 monthly payments of £154.54. Interest rate 7.80%. Representative APR 11.9%. Total charge for credit £8,544.80 Total amount repayable £18,544.80. Exit Fee if settled during deferral period £0.00. Exit Fee if not settled during deferral period: 60 months.

Interest Free Credit
Buy Now Pay Later - 12 months
Flexible Monthly Payment
Buy Now Pay Later - 3 months
Interest Free Credit

Simply divide the loan amount by the term of the agreement and this will be your monthly repayment amount for the entirety of the agreement. No interest or fees are payable with this option

Buy Now Pay Later - 12 months

If settled in full within the 12 month deferral period then there is no interest to pay. This means that you would pay back the amount initially borrowed only. 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

Flexible Monthly Payments

Interest is calculated daily and added monthly at a rate of 0.636%. You must make the minimum repayment each month. You can make additional repayments without penalty, which allows you to control the term of the loan and reduce the amount of interest you would pay. Payments will start approximately one month after the contract we have fulfilled with you.

Buy Now Pay Later - 3 months

If settled in full within the 3 month deferral period then there is no interest to pay. This means that you would pay back the amount initially borrowed only. 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

Interest Free Credit
Buy Now Pay Later - 12 months
Flexible Monthly Payment
Buy Now Pay Later - 3 months
£10,000
(Amount of credit)
24 monthly payments
£ 416.66
Deposit
£ 4500
Representative APR
0%
Total repayable
£ 9,999.84
36 monthly payments
£ 277.77
Deposit
£ 4500
Representative APR
0%
Total repayable
£ 9,999.72
Nothing to pay for 12 months then
120 monthly payments
£ 154.54
Representative APR
11.9%
Total repayable
£ 18,544.80
120 monthly payments
£ 119.40
Representative APR
7.9%
Total repayable
£ 14,328.00
180 monthly payments
£ 93.46
Representative APR
7.9%
Total repayable
£ 16,822.80
Nothing to pay for 3 months then
60 monthly payments
£ 194.01
Representative APR
5.9%
Total repayable
£ 11,640.60
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Duration of Agreement
24 months
Rate of Interest
0% p.a. fixed
Representative APR
0%
24 Monthly Payments
£562.50
Total Amount Payable
£18,000.00
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Rate of Interest
7.80% p.a. fixed
Representative APR
11.9%
Duration of Agreement
132 months (including a 12 month deferral period)
120 Monthly Payments
£208.63
Total Amount Payable
£29,535.60
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Duration of Agreement
120 months
Rate of Interest
5.5% p.a. fixed
Representative APR
7.9%
120 Monthly Payments
£161.18
Total Amount Payable
£23,841.60
Representative example of this finance option
Cash Price
£18,000.00
Deposit
£4,500.00
Amount Of Credit
£13,500.00
Rate of Interest
3.10% p.a. fixed
Representative APR
5.9%
Duration of Agreement
63 months (including a 3 month deferral period)
60 Monthly Payments
£261.91
Total Amount Payable
£20,214.60
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