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Oak Furniture 0 Percent Finance – the Oak Hut

  • The Oak Hut is proud to offer interest free credit on purchases from our store that are £250 or above. The service is provided to our customers by our partners at the finance specialists Divido.

    The application process is simple, takes around 5 minutes for you to complete, is carried out online with a decision made within 30 seconds of completion.

    If you decide to take advantage of our 0% finance offer, here's a quick guide to everything you'll need to know.

  • Applying for Finance:

  • Representative Example:

    Purchase price £550.00 Total repayable £549.96
    Deposit £0 Duration of agreement 12 Month
    Amount of Credit £550.00 Rate of interest 0%
    12 Monthly Payments £45.83 0% APR Representative
  • Who is Eligible for Finance?

    Applying for an instalment plan is like applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history - (no late payments, CCJ's, etc.) - and meet the following minimum criteria:

    • Be over 18 years of age
    • Be working at least 16 hours per week
    • Have 3 years of UK address history
    • Order is £250 or above
  • Questions?

    Feel free to send us an email at customerservice@theoakhut.com and we would be happy to answer any questions you might have.

  • About Divido:

    Financing options at The Oak Hut are provided by Divido Financial Services Limited (‘Divido’) is authorised and regulated by the Financial Conduct Authority. For more information, please visit: https://www.divido.com/

  • The Small Print


    You have the right to receive, on request, and free of charge, at any time throughout the Duration of this Credit Agreement pursuant to section 77B of the Consumer Credit Act 1974, a statement in the form of a table showing a) the date on which each repayment is due under this Agreement; b) the amount of each repayment and the details of each instalment owing; c) any conditions relating to payments and d) a breakdown of each repayment showing how much of it is made up of capital repayment, interest payment and, if applicable, other charges. When calculating this table, no account will be made of any variation in the interest rate or charges which may occur after it is issued


    Interest will be payable on all sums outstanding, including any missed payments, at the interest rate applicable to the Agreement as set out above, after as well as before any judgment we may obtain against you. We will charge you the following default fees if you miss any repayments. If you are late in making a monthly payment you will incur a late payment fee of £26. We will also charge you a monthly arrears management fee of £26 for each subsequent month when your account remains in arrears. We will charge £100 for instructing a solicitor to enforce the terms of the credit agreement (this will be in addition to any other legal costs as set out in Clause 4 overleaf).


    Missing payments could have severe consequences.

    For example, it could result in us taking legal proceedings against you. It could ultimately result in you losing your assets, including your home, if sale of those assets or of your home is necessary to repay the debt. Missing payments can also make obtaining credit more difficult. In addition, we will charge interest on any missing repayments at the interest rate and you will have to pay the charges as shown above for breach of this Agreement.


    You have a right to withdraw from this Agreement under section 66A of the Consumer Credit Act 1974, without giving a reason, by writing to us at: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE or calling us on 0345 850 9961 or by emailing us at hil@shawbrook.co.uk. Your right of withdrawal will start on the day after the date we inform you in writing that we have executed the Agreement and will end 14 days after that day.You must repay to us all the credit provided to you under this Agreement without delay and in any event within 30 days of the day that you tell us that you wish to withdraw. You will also have to pay us interest from the date of the Agreement up until the date the credit is repaid. You will have to repay this interest as soon as you can, and in any event no later than 30 days after you told us you want to withdraw. We will tell you when you contact us how to repay the credit and interest to us. The daily amount of interest you will have to pay is £0.00.


    If any of the Goods costs more than £100 and not more than £30,000 and is unsatisfactory, you may have a right to sue the supplier, us or both. If any of them costs more than £30,000 (but not more than £60,260) and is not supplied (or supplied only in part) or does not conform with the contract for it, you have the right to seek redress from us if you are unable to obtain redress from the supplier.


    You have a right under section 94 of the Consumer Credit Act 1974 to repay all or part of the outstanding balance early at any time. If you wish to repay all or part of the outstanding balance early you should contact us at P O Box 852, NEWPORT NP20 9LJ or alternatively by telephone of 0345 650 6290 and advise us of your intentions. We will provide you with a settlement quotation, which will tell you the amount that you have to pay to repay the outstanding balance in full, or the impact of repaying it in part, as the case may be. The amount of interest you pay will be less than you would have paid if the Agreement had run its full course. We will tell you how you can make the repayment when you contact us. If you repay the outstanding balance early in part, we will (after paying off any arrears, costs and expenses) reduce your remaining term proportionally.


    The Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS.


    If you have a problem and we are unable to resolve your complaint internally to your satisfaction, you have the right to refer it to the Financial Ombudsman Service in writing at Exchange Tower, London, E14 9SR or by calling 0300 123 9 123 or emailing complaint.info@financial–ombudsman.org.uk.