Wardrobes and Bespoke Furniture on Finance - FAQs

If your order value qualifies for finance, simply select the finance option on the checkout page and follow the instructions on screen.

Your monthly repayments will begin one month after your purchase has been delivered (or installed if Spaceslide are carrying out the installation)

No. There are no arrangement fees or hidden extras if the agreement is settled within 12 months.

Applying for online finance - When you buy online from Home Decor GB Ltd t/a Spaceslide you have the choice of applying for finance by adding your purchase to the shopping basket.

Select the option to ‘pay by finance’ in the basket process. There is a 10% minimum deposit to be paid immediately which will be processed by Opayo (our secure card payment partner).

You will receive instant confirmation of a successful deposit payment and be given instructions on how to complete your finance application.
Following confirmation of a successful finance agreement, you will receive an order confirmation from Spaceslide with details about the next steps regarding any survey, delivery
and / or installation.

You’re eligible to apply if you:

• Are 18 or over

• Live in the UK or Jersey and have done so for at least 3 years

• Are employed, self-employed, a homemaker, retired with a pension, a working student, or receiving a disability benefit

• Have a debit/credit card in your name, registered to your address

• Have a UK bank or building society current account

• Have an email address for application updates

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement.

If you are offered the ability to e-sign your credit agreement and
choose to do so, a PDF of your credit agreement will be displayed on the screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Home Decor GB t/a Spaceslide will be notified and you need do nothing more. If you are presented with a
requirement to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter.

This signed document should then be posted to the address shown on the covering letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by a panel of lenders. Manufacture of your goods will follow soon after your agreement has been returned to our finance company.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age,
income and occupation, together with information obtained from credit reference agencies.

This information allows a panel of lenders to produce consistent decisions, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, a panel of lenders also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though a panel of lenders are unable to provide you with the main reason for the decline of your application, it is usually based on one, or a combination of the following:

• Your credit score (note that every finance company will score you differently)

• Adverse credit reference agency information

• You are considered to be overcommitted

• You are aged under 18

• Your existing account performance with other lenders

Some of the information is public information, for example, electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them. For instance, this could include your payment history and outstanding balance on these accounts.

Any requests for credit where a credit reference search has been
undertaken, will also be filed, although the result of the request is not recorded.

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that your circumstances change and just because a panel of lenders have refused a previous application, it does not mean that they’ll automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.

Should your application be unsuccessful, Spaceslide will contact you to arrange alternative payment methods or refund your deposit.

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.