Barclays Buy Now Pay Later
Pay just your deposit and then pay nothing for a whole year. With our buy now pay later finance option, you pay a deposit now and then nothing for a year. You then pay a £99 administration charge if you end your agreement during the initial 12 months.
If your agreement runs over the initial 12 month period, the following example outlines your charges:
|Minimum deposit (10%)||£750.00|
|Total amount of credit||£6,750.00|
|Rate of interest||24.9% p.a.|
|Duration of the agreement||120 months|
|Monthly repayments||£141.56 per month|
|Total amount repayable||£16,986.66|
|Total amount of interest||£10,236.66|
|Other charges (if applicable)||£0.00|
Credit is subject to application and status.
Cabin Master acts as a credit broker and not the lender.
Barclays Home Improvement Loan
If you would like to spread the cost of your building over a longer period, a Barclays Home Improvement Loan might be the ideal way to fund your purchase.
Designed with flexibility in mind and with no hidden fees, you can spread payments over 36, 60 or 120 months.
Other than a small deposit (10%), you've nothing to pay until at least one month after installation has been completed to your satisfaction. Also, as you're protected under the Customer Credit Act 1974 you have certain rights, in the unlikely event that a problem should occur and you're not satisfied.
A Home Improvement Loan lets you spread the cost of your purchase, providing a repayment plan that suits your budget and keeps your savings intact. You need to make the minimum payment throughout the term of the agreement - but you can choose to make additional payments to clear your loan early.
Interest is calculated daily on your outstanding balance. This means that you're in control of the term of your loan and the total interest payable. Additional payments will reduce the term and therefore, the total amount of interest paid.
You can settle your account at any time, should you wish to settle early simply call Barclays and they will calculate your settlement figure.Typical APR 9.9% Representative Paying your loan off early means that you will only pay part of the interest you would have paid if the loan has run its full term.
Typical APR 9.9% Representative
|Total amount of credit||£7,600.00|
|Rate of interest||11.9% p.a. (variable)|
|Duration of the agreement||60 months|
|Monthly repayments||£166.37 per month|
|Total amount repayable||£9,982.08|
|Other charges (if applicable)||£0.00|
Available subject to status, written details available upon request.
Cabin Master acts as a credit intermediary and only offers products from Barclays Partner Finance. 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
Contact us for a no obligation finance quote.
Who can apply for finance?
- Applicant must be 18 years or over on application date.
- In permanent UK residence — minimum of 3 years.
- In regular, permanent employment working a minimum of 16 hours per week (includes students).
- Retired from regular employment. Minimum age 50.
- Not working through disability.
Additional protection for your loan
Cabin Master is a credit broker, not a lender. Your Cabin Master loan is financed by Barclays Partner Finance and is protected under the Consumer Credit Act 1974. This is not available if you pay by cash. As a customer under the loan agreement the consumer credit protection includes the lenders liability to safeguard the guarantee issued by Cabin Master.
What this means to you?
You are protected because Barclays and Cabin Master are equally liable for the goods supplied and for the guarantees given to you.
If you are not satisfied with any aspect of our service or products relating to your finance agreement, please tell us about your complaint.
Step-by-step complaints procedure
If you're not completely happy with our service we'd like to hear about it so we can do something to put it right.
We do everything we can to make sure our customers get the best products and service possible. However, sometimes we may not get things right the first time.
When that happens we want you to tell us what went wrong so we can put matters right.
We want to:
- Make it easy for you to tell us what went wrong
- Give your complaint the attention it deserves
- Resolve your complaint fairly without delay
- Make sure you are satisfied with how your complaint was resolved
How & where to complain
If you are not satisfied with any aspect of our service or products you can tell us about your complaint in the following ways:
In person — call into our office at the address shown below. We are open Monday to Friday from 8.00am–4.00pm.
In writing — write to us at the address shown below and address your letter to the Customer Complaint Manager.
By telephone — call us on 0115 932 8888 during our office hours.
By email — write to us at email@example.com.
How long will it take?
We aim to resolve your complaint straightaway but if we can't, then we will write to you within five business days to tell you:
- Why we have not resolved your complaint
- Who is dealing with your complaint
- When we will contact you again
- We will aim to resolve your complaint quickly but it may take longer if it is complex.
We will keep you informed on a regular basis but if you need an update please call us on 0115 932 8888 and ask to speak to the person handling you complaint.
If we cannot reach agreement with you
If we can't agree a solution with you within eight weeks, we will:
- Send a letter giving our reasons for the delay and an indication of when we expect to provide a final decision; or
- Issue our final decision letter which will explain our final position.
The Financial Ombudsman Service
Our aim is to resolve all complaints internally. However if after receiving our final decision letter, or if eight weeks have passed, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). Their contact details are shown below.
Please note: Only complaints relating to the sale of financial services should be referred to FOS.
If you would like the Financial Ombudsman Service to look into your complaint you must contact them within six months of the date of our final response letter.The Financial Ombudsman Service
Or you can telephone on 0800 023 4567.
Or email firstname.lastname@example.org
Further information can be obtained from the Financial Ombudsman Service's website at www.financial-ombudsman.org.uk.