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Flexible Finance

Peace of mind and protecting your family and home is always a priority. However, securing your property is not always cheap, and it can be costly, especially if you have just bought your new home or had a burglary. Clearly, not a good time to make a big purchase. That is why we have a number of simple payment options to help you spread the cost of your security system (Burglar alarm or CCTV), available on any order when you spend £399 or more with us.

Applying is quick and simple - follow the simple steps below, and you're all set! In case of a burglar alarm purchase, flexible finance is calculated after customising your property requirements.

 

How to Apply
Please Note
Referred Application:

In some cases the lender may need to look into your application in more detail and will return the decision as 'referred'. If this is the case, you will receive an email with further instructions once the Credit Underwriting Team have made a decision. The Credit Underwriting Department hours are between 8am and 8pm, Monday to Friday 9am and 6pm on Saturdays and Sundays. If your application is referred outside of these hours, then you may have to wait until the next working day for the decision.

Add ons at the time of fitting:

If you decide to upgrade your product after your finance application is accepted or would require extra devices fitted, on top of your pre-approved finance, you may either have to pay the additional amount by debit/ credit card with our engineers onsite or you may be required to make a fresh application before your security system is installed. In most cases, a new application is a straight forward less than a minute process.

Representative Example Payments
Representative 9.9% APR
Purchase Price
£ 899.00
Purchase Price
Per Annum
9.9%
Deposit
£ 100.00
Option 1 : 12 Months Finance
Loan Amount
£ 799.00
12 Monthly
Repayments
£ 70.05
Option 2 : 24 Months Finance
Total Amount
Repayments
£ 840.61
24 Monthly
Repayments
£ 36.67
Option 3 : 36 Months Finance
Total Amount
Repayments
£ 880.26
36 Monthly
Repayments
£ 26.68
Option 4 : 48 Months Finance
Total Amount
Repayments
£ 921.10
12 Monthly
Repayments
£ 20.06
Total Amount
Repayments
£ 1083.11
Eligibility Requirements
FAQs

Flexible finance is a credit agreement made between you and a lender we partnered with us, which allows you to buy your security products with flexible monthly payments for up to 4 years.

Minimum £100 or 10% of total order value. Once you choose the product and decide of any extra accessories, you will be expected to apply for your finance and once it is approved, you can pay your deposit online or over phone and book your fitting.

Just select the finance option on the website or let the team members know if you're buying over phone.

Your monthly repayments will begin one month after your burglar alarm system is installed.

All repayments will be paid by monthly direct debit payments.

There are some eligibility criteria to be met. Please check here for details. (link to eligibility criteria contents).

Once you choose the product and decide on any extra accessories, you can either choose to pay the full amount of apply for finance. If you opt to go for finance, you will be expected to apply for your finance. A finance application takes a couple of minutes and gets normally approved within seconds. Once it is approved, you can pay your deposit online or over the phone and book your fitting. If you prefer to pay full amount instead, you can order your full kit online or book the job with deposit payment online or over the phone. Any balance payment due can be paid on completion of the job.

Annual percentage Rate (APR) is the interest rate applied to your finance. Essentially, it’s the yearly cost of your borrowing – you’ll pay this on top of the sum you applied for. If you take out a long-term loan, the total amount payable will be more as you’ll be paying interest for a longer amount of time.

Most finance applications are approved within seconds of completing the application. In some cases, the lender may need to look into your application in more detail and will return the decision as 'referred'. If this is the case, you will receive an email with further instructions once the Credit Underwriting Team has made a decision. The Credit Underwriting Department hours are between 8 am and 8 pm, Monday to Friday 9 am and 6 pm on Saturdays and Sundays. If your application is referred outside of these hours, then you may have to wait until the next working day for the decision.

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 us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we 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

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

It will always be cheaper to buy an alarm with cash, and you should always make sure you add on your APR when calculating the cost of a burglar alarm finance deal.

There are no hidden extras for our services - what you see will be what you’re paying. Please note, your alarm may require ongoing maintenance and service including replacing batteries. Your burglar alarm may require professional attention before you finish paying off your alarm finance. Any future services and support outside our warranty period will be chargeable. You can also opt to have annual maintenance with an extended warranty, fully protected by us for a small fixed ongoing cost. Details are here: Extended Warranty.

Unfortunately, not. These services are payable either at the time of service visit or by monthly direct debit payments to cover ongoing maintenances.

Finance is a great way to work out what you can afford and pay a fixed rate each month - unlike mortgage and credit card products, the rate is fixed and not variable. This option gives people with a stretched income more options. By making our comparison tool as quick and easy to use with the actual amount you will be paying onsite, the customer will know instantly if they can afford the repayment. 

Terms & Condition

Credit is subject to status. Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Eligibility and conditions apply. Fitted Home Alarms Limited acts as a credit broker and only offers credit products from Omni Capital Retail Finance Limited. Fitted Home Alarms Limited is authorised and regulated by the Financial Conduct Authority. Our registered number is 810371.

Finance is available on specified orders with a minimum loan amount of £299 and is subject to your status, please note that acceptance for finance is not guaranteed; see Eligibility for Finance. Finance is provided through our external partner, Omni Capital Retail Finance Limited. If your application is successful you will enter into a Credit Agreement with Omni Capital Retail Finance Limited.

Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority. Fitted Home Alarms Limited is authorised and regulated by the Financial Conduct Authority. Our registered number is 810371

 

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