Clover Conservatories and Construction Limited are authorised by the FCA, number FRN 655219, and we offer credit products from Omni Capital Retail Finance via HMC Funding. We offer a range of both interest free and interest bearing loans that can be used to finance or part-finance any of our projects.
Credit is provided subject to age and status.
Please note: we can only install goods and services to the registered address used in any finance application.
How to Apply
If you are interested in applying for credit please either send an email to firstname.lastname@example.org or telephone Helen on 01531 631965 and she will arrange an appointment with you to meet at our offices to complete the application form together. The application is submitted online and returns a decision almost immediately.
Qualifying for Credit
Omni Capital Retail Finance will conduct the necessary credit checks in order to confirm your eligibility for the credit application, but in essence you must meet the following criteria:
- You must be over 18 years of age
- You must be a UK resident with at least 3 years continual address history (this can be your previous address if you have recently moved)
- You must be in full time employment, unless retired or a house person with a spouse in full time employment
- You must have a bank account capable of accepting Direct Debits
- The goods must be installed at your home address
How Much Can I Borrow?
We currently offer finance up to £7500, though this does not have to cover the entire contract value. For example, you could add a financed sum of £7500 to existing savings to cover a higher value contract. An interest bearing loan for values over £7500 may be available.
Do I Have to Pay a Deposit?
Yes, a deposit is payable by debit or credit card upon application.
How Do I Make My Monthly Payments?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.
What Products/Services Can I Purchase?
You can purchase any of the services or products we offer though we only offer interest free finance on selected wood-burning stove and window and door installations.
What Length of Repayment is Available?
The finance products we offer vary in length from 12 months to 60 months. It is extremely important that we assess the affordability of the loan as part of the application process, and as such we will endeavour to match the most appropriate product to your circumstances.
Can I Repay my Loan Early?
Yes, you have the right to repay all or part of the credit early at any time. Simply contact Omni Capital Retail Finance directly and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.