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Wood Burning Stove Finance - Apply Today at Glowing Embers

Retail Finance

We are pleased to announce that we have teamed up with Hitachi Personal Finance to offer our customers 12 months interest free credit on all purchases of £300 or more through our site or over the phone.

Buying a log burner and all the flue parts and accessories you need can add up, so we know that sometimes it is easier to spread the cost over a few months. Buy with us and you can spread that total cost of the purchase over a maximum of 12 months at absolutely no extra cost to you. You needn't worry about high interest rates or exorbitant post-term rates, all you need to ensure is that you can make the monthly payment and pay an initial 10% deposit; that is all you need to do.

Once you have selected your wood burner, flues and accessories, simply select the finance option at checkout and fill out the quick online form and you will get an instant decision, no need to sign forms - it is all quick and easy.

 

It's easy to buy a wood stove on finance - in just 3 easy steps:

  1. Select your products and checkout
  2. Select Interest Free Finance at checkout
  3. Complete the quick application to get an instant decision

Volsom Ltd. trading as Glowing Embers is not a lender. Credit is subject to status and affordability and is provided by Hitachi Capital (UK) PLC. Hitachi are one of the world's leading specialist providers of retail finance and have a proven track record of providing paperless finance solutions. If your application is successful, you will be entering into a credit agreement with Hitachi Capital (UK) PLC Consumer Finance and not with Glowing Embers, we simply ship your goods to you, after that Hitachi administer all repayments. Hitachi is authorised and regulated by the Financial Conduct Authority.

 

Wood Burner Finance Terms and Conditions

As part of the application process you will be asked to verify your identity by allowing Hitachi to authorise a 50p payment on a credit or debit card that is registered to you. This amount will not be charged, but is authorised only and used to verify your identity.

We cannot guarantee that your application will be accepted and your credit file will need to be searched for the application to proceed. You must be over 18, have lived in the UK for 3 years or more and able to make regular payments by Direct Debit.

 

Finance FAQ's

How do I choose to PaybyFinance?

Just select the finance option on the checkout page.

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Volsom Ltd trading as Glowing Embers, you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Volsom Ltd trading as Glowing Embers will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the 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 finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Will you credit score me and if so, what does this mean?

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

If you decline my application, what is the reason?

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

  • Your credit score (please 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

What type of information do credit reference agencies hold about me?

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.

How do I obtain a copy of this information?

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

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, 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.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

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



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