Finance FAQs

Finance Explanation and Representative Example

Interest Bearing Finance Example

Up to 60 months 10.9% APR representative interest bearing finance.

Spread the cost with our interest bearing finance available in store.

Our simple finance options allow you to spread the cost of your purchase over 60 months.

All you need to do is:

Spend a minimum of £3,000 and above
Place a deposit if required
Minimum finance amount after deposit £3,000 and above - Maximum finance amount £25,000

The table below shows you how much monthly repayments will be based on the total order value.

Order Value	Term (Months)	Deposit (10%)	Monthly Payments
£10,000	60	£1,000	£192.97

Representative Example:

Cash Price: £10,000
Deposit: £1,000
Loan Amount: £9,000
10.9% APR Representative
Fixed Rate: 10.9%
60 Monthly Repayments of: £192.97
Total Term of Loan Agreement: 60 Months
Total Charge for Credit: £2,578.20
Total Amount Payable: £12,578.20

For help with finance, please call 02920 705059.

Credit subject to status and affordability. Terms & Conditions Apply.

All Swim Ltd FRN: 709394 are authorised and regulated by the Finance Conduct Authority. We are a credit broker and not a lender - credit is subject to status and affordability, and is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC.

Interest Free Finance Example

Up to 12 months 0% APR representative interest free finance

Spread the cost with our interest free finance available in store.

Our simple finance options allow you to spread the cost of your purchase over 6 or 12 months.

All you need to do is:

Spend a minimum of £3,000 and above
Place a deposit if required
Minimum finance amount after deposit £3,000 and above - Maximum finance amount £25,000

We offer 3 simple finance options to help you spread the cost of your purchases.

12 months interest free finance
24 months interest free finance
36 months interest free finance

The table below shows you how much monthly repayments will be based on the total order value.

Order Value	Term (Months)	Deposit (10%)	Monthly Payments
£10,000	12	£1,000	£750.00
£10,000	24	£1,000	£375.00
£10,000	36	£1,000	£250.00

How Do I Choose To Pay By Finance?

Just give us a call and we will send you a link for you to complete a finance application in the comfort of your own home or let the sales consultant know if you're buying in our showrooms.

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.

Your Questions Answered

Here's some of the most commonly asked questions regarding online finance.

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 All Swim Ltd 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 Novuna 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 scores are based on many factors, but ultimately it gives a lender an idea of how you’ll manage your finances in the future based on how you’ve managed debts and bills in the past. Lenders like to have reassurance you can handle debt responsibly. A credit report hold details of your financial history usually from the last six years, these detailers include:

Existing credit such as loans, credit cards, store cards etc.
The amount of credit you have borrowed and how much you currently owe.
Details of any late or missed payments.
Any joint credit agreements you hold with another person.
Your past and present address details as held on the electoral roll.
Any bankruptcies, repossessions, county court judgements and individual voluntary agreements.

If You Decline My Application, What Is The Reason?

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

Though Novuna 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

What Type Of Information Do Credit Refrence 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, NG807WF
Equifax Ltd., Customer Service Centre, PO Box 10036,Leicester, LE3 4FS
TransUnion, 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 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.

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.

Complaints

On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows;

Phone: 029 2070 5059
Email: sales@allswimltd.com

Address: Units 3-5 Link Trade Park, Penarth Road, Cardiff, CF11 8TQ

If Your Complaint Relates To Your Finance Agreement
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna. Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What To Do If You Can't Reach An Agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you.

They can be contacted in the following ways: