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About us

Barclays Partner Finance

We have partnered with Barclays Partner Finance to bring you a range of payment options if you prefer to spread the cost of your purchase.

We offer our customers the ability to apply for finance facilities to fund a purchase from us. Once you are accepted by Barclays Partner Finance, you will be asked to eSign the credit agreement and once in receipt of your purchase, Barclays Partner Finance will make your agreement live and your monthly repayments will commence for the agreed term.

In short, retail finance gives you the flexibility to spread the cost of your purchase over a repayment period that suits your budget.

Please note, you can only arrange the delivery of your order pending the approval of your finance application. Your delivery must be made to the address on the finance application which must be the billing address on the order. Credit is subject to application and status.

PRODUCT INFORMATION

Below are some examples to illustrate our range of finance options. Minimum loan amounts start from

  • Intrest-free loan

    Fixed monthly repayments with the benefit of no interest being charged

    Representative Example - 12 Months
    Cash Price (incl. VAT) £30,000.00
    Deposit £7,500.00
    Total Amount Of Credit £22,500.00
    Agreement Duration 12 months
    Annual Rate Of Interest 0.0%
    Representative APR 0.0%
    Intrest/Total Charge For Credit £ -
    Total Amount Repayable £22,500.00
    Monthly Payment Of £1,875.00
  • Representative Example - 24 Months
    Cash Price (incl. VAT) £30,000.00
    Deposit £7,500.00
    Total Amount Of Credit £22,500.00
    Agreement Duration 24 months
    Annual Rate Of Interest 0.0%
    Representative APR 0.0%
    Intrest/Total Charge For Credit £ -
    Total Amount Repayable £22,500.00
    Monthly Payment Of £937.50
  • Representative Example - 36 Months
    Cash Price (incl. VAT) £30,000.00
    Deposit £7,500.00
    Total Amount Of Credit £22,500.00
    Agreement Duration 36 months
    Annual Rate Of Interest 0.0%
    Representative APR 0.0%
    Intrest/Total Charge For Credit £ -
    Total Amount Repayable £22,500.00
    Monthly Payment Of £625.00

  • Buy now, pay later loan

    Includes a payment-free period providing you with greater flexibility in how to pay for your purchase

    Representative Example - 60 Months
    Cash Price (incl. VAT) £30,000.00
    Deposit £7,500.00
    Total Amount Of Credit £22,500.00
    Agreement Duration 60 months
    Annual Rate Of Interest 14.9%
    Representative APR 14.9%
    Intrest/Total Charge For Credit £8,891.07
    Total Amount Repayable £31,391.07
    Monthly Payment Of £653.98

  • Intrest Bearing Credit

    Fixed monthly repayments with the benefit of no interest being charged

    Representative Example - 36 Months
    Cash Price (incl. VAT) £30,000.00
    Deposit £7,500.00
    Total Amount Of Credit £22,500.00
    Agreement Duration 36 months
    Annual Rate Of Interest 7.9%
    Representative APR 7.9%
    Intrest/Total Charge For Credit £2,743.54
    Total Amount Repayable £25,243.54
    Monthly Payment Of £701.21
  • Representative Example - 48 Months
    Cash Price (incl. VAT) £30,000.00
    Deposit £7,500.00
    Total Amount Of Credit £22,500.00
    Agreement Duration 48 months
    Annual Rate Of Interest 7.9%
    Representative APR 7.9%
    Intrest/Total Charge For Credit £3,677.58
    Total Amount Repayable £26,177.58
    Monthly Payment Of £545.37

*Credit is subject to application and status. You must agree to the lender's Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.

ELIGIBILITY CRITERIA

To apply for finance you must:

  • be at least 18 years of age
  • be a UK resident
  • be able to make repayments by direct debit

DELIVERY

For finance orders made online or via mail order we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person. You can only arrange the delivery of your order pending the approval of your finance application.


DECLINED CREDIT APPLICATIONS

You will be informed if your application has been declined. The lender is unable to share the reason for decline with us. Some reasons your application might be refused include:


  • you do not meet the eligibility criteria (see above);
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted; or
  • your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.


THE LENDER

Kitchens By Marks Electrical acts as a credit broker and only offers credit products from Barclays Partner Finance. Barclays Partner Finance acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753) Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London. E14 5HP.

Kitchens By Marks Electrical is registered in England and Wales 04463433. Registered office: Boston Rd, Leicester, LE4 1AU. Kitchens By Marks Electrical is authorised and regulated by the Financial Conduct Authority. Our registration number is 705899.