Finance 

We want to ensure that all our customers can buy their dream kitchen, so we have teamed up with Shermin Finance and put together some payment options, allowing you to spread the cost of your Kitchen. 

Below we have highlighted each option so you can choose a loan and term to suit your needs. 

 

Pay monthly finance

Spread the cost over 5 or 10 years

  • Low monthly payments

 

Representative example

Cost of your kitchen: £17,953.00

Deposit: £500.00

Loan period: 120 months

Representative APR: 5.9%

Monthly payment: £191.98

Total amount payable: £23,537.60

  • Overpayments are free of charge
  • Reduce the term of your loan by overpaying
  • You will benefit from the extra consumer protection provided by the Consumer Credit Act 1974

Buy now, pay later

  • Pay nothing for a whole year!
  • Have your kitchen now and pay later

 

Representative example

Cost of your kitchen: £17,953.00

Deposit: £500.00

Loan period: 120 months

Representative APR: 9.9%

Monthly payment :£246.33

Total amount payable: £29,559.60

  • If you don’t pay within the deferred period payments will begin at the stated interest rate
  • Overpayments are free of charge
  • Reduce the term of your loan by overpaying
  • You will benefit from the extra consumer protection provided by the Consumer Credit Act 1974


If you decide to settle within 12 months of agreeing the purchase of your kitchen, you will not be charged interest and there is no early settlement fee. Should you wish to make partial payments within the first 12 months then you will be charged at 9.9% APR on the balance after the 12 months period, and this will be added to the total loan repayable. If your payments begin after the 12 month period, interest will be calculated at 9.9% for the whole term of the loan, inclusive of the initial 12 month period. The interest for the initial period will be added to the loan repayable. 


Do I qualify for finance?

 

  • 18 years old (minimum age)

  • No CCJ’s / IVA’s / Bankruptcy

  • 3 years UK address history

  • UK Bank Account (joint account OK)

  • Employed / Self-employed / Retired

 

To apply for finance, or explore further options, book your appointment today – Book Appointment. 


 

K F Kitchens is registered in England and Wales (Company Reg No. 06656478, VAT No. ). Trading address is 67 FARADAY MILL, CATTEDOWN, PLYMOUTH PL4 0ST. K F Kitchens acts as a credit broker (not as a lender) and offers credit products through a panel of lenders. K F Kitchens is authorised and regulated by the Financial Conduct Authority (FCA No. 930910).