REPRESENTATIVE EXAMPLE

ITEM VALUE (CASH PRICE) : £2500

DEPOSIT : £100

TOTAL AMOUNT OF CREDIT : £2500

DURATION OF AGREEMENT : 4 YEARS

REPRESENTATIVE APR : 0% APR

RATE OF INTEREST : 0% p.a.

48 MONTHLY PAYMENTS OF : £50

TOTAL AMOUNT PAYABLE : £2500

Finance Available

INTEREST FREE CREDIT

IN STORE FINANCE AVAILABLE

Competitive finance available on orders of £1000 and over.

R & J Leather (Scotland) Ltd offers you interest free finance from Hitachi Personal Finance.

Pay with monthly finance instalments at no extra costs.

If you would like to apply for finance, please visit our showroom.

Our sales staff can talk you through the available monthly finance plans and process your application in minutes



Terms and Conditions

To qualify you need to spend a minimum of £1000

ID will be required for application (proof of address & proof of signature)

Credit is subject to application and status

Full terms and conditions available on application

You will need to visit one of our showrooms to apply.



Who Can Apply for Finance?

Applicant must be 18 years or over on application date

In permanent UK Residence – minimum of 3 years

Retired from regular employment. Minimum age 50

Not working through disability

Self-Employed

In regular, permanent employment working a minimum of 16 hours per week (Includes students)


R & J Leather (Scotland) Ltd ACTS AS A CREDIT BROKER AND NOT THE LENDER

R & J Leather Ltd, East Station Industrial Estate, Larkhall ML9 2UJ



Finance agreements:

Subject to status and affordability. Terms & Conditions Apply.

R & J Leather (Scotland) Limited FRN: 690635 trading as R & J Leather (Scotland) Limited is a credit broker for the purpose of introducing credit provided by the lender Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC.
Authorised and Regulated by the Financial Conduct Authority.


Orders will be placed and goods allocated only after finance is approved. Some agreements may be delayed whilst status is checked, this process is called referral.

Once approved, your credit agreement forms part of a legally binding contract, regardless of whether a deposit has been paid. This means that by entering into such an agreement, you are obliged to pay the specified amount on the dates set out in the agreement until the order has been paid in full.