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.
Identify the alarm you wish to have. Finance available on orders over £399
You may need to change/ add to the contents of standard package to protect your property adequately
You will have to meet a few criteria in order to apply for finance. You can find these at the bottom of this page.
Once your finance has been approved, please pay your deposit amount Minimum deposit 10% and book your fitting.
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.
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.
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.
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:
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.
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.
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.
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