Finance Options

Effective date: 19 April 2026
Last updated: 19 April 2026

At The Little Kitchen Factory, we understand that investing in a new kitchen, bedroom, or fitted interior is a significant decision. Finance can offer a practical way to spread the cost of your project, helping you move forward with confidence while choosing a solution that works for your home and your budget.

This page explains how finance options may work, the types of information you may be asked to provide, the general process involved, and the important points to understand before entering into any finance arrangement.

1. About This Page

This Finance Options page is intended to provide general information about finance arrangements that may be available in connection with products and services offered by The Little Kitchen Factory.

It should be read alongside:

• our Terms and Conditions
• our Privacy Policy
• your quotation or proposal
• your order confirmation
• any finance documentation provided at the time of application
• any lender or finance provider terms and conditions

If finance is available for your project, the exact terms, products, eligibility criteria, and application requirements will be set out separately by the relevant finance provider or in the documentation supplied during the application process.

2. Finance Availability

Finance options may be available on selected projects, products, or order values, subject to status, eligibility, affordability checks, and the approval criteria of the relevant finance provider.

Finance is not guaranteed and may not be available for every product, every service, or every customer.

Availability may depend on factors including:

• the total order value
• the type of products or services being purchased
• your age and residency status
• your credit profile and financial circumstances
• the lender’s underwriting criteria
• the lender’s affordability assessment
• any minimum or maximum finance thresholds
• the location of the property or project

We reserve the right to withdraw or amend the availability of finance options at any time unless a finance agreement has already been approved and accepted.

3. Types of Finance That May Be Offered

Depending on the project and the finance provider, finance options may include one or more of the following:

• interest-bearing credit agreements
• fixed-term monthly payment agreements
• interest-free credit for selected periods where available
• buy now, pay later options where available
• deposit-supported finance plans
• staged payment or finance-supported project arrangements

Not all finance products will be available at all times. The specific options available to you, if any, will depend on the finance provider and the offer in place at the time.

4. Representative Examples and Illustrations

Any finance examples, payment illustrations, calculator outputs, estimated monthly figures, or promotional statements shown on the website, in brochures, or during discussions are for general guidance only unless expressly confirmed as part of a formal finance offer.

Illustrations do not guarantee:

• eligibility
• approval
• final interest rate
• final monthly payment
• final deposit requirement
• exact credit limit
• availability of a particular product

The actual finance agreement offered to you may differ from any earlier example or estimate.

5. Finance Provider and Separate Agreement

Any finance arrangement is typically made between you and the relevant finance provider, not directly with The Little Kitchen Factory.

This means:

• the lender or finance provider will usually assess your application
• the lender will decide whether to approve or decline the application
• the lender will set the terms of the credit agreement
• repayments will usually be made to the lender, not to us, unless otherwise stated
• the finance agreement will be subject to the lender’s own terms and conditions

You should read all finance documents carefully before signing or accepting any agreement.

6. Eligibility Criteria

To apply for finance, you may need to meet certain eligibility requirements. These can vary depending on the lender, but may include:

• being at least 18 years old
• being a UK resident
• having a valid UK address history
• being employed, self-employed, retired, or otherwise able to demonstrate income
• having a bank account in your name
• meeting the finance provider’s creditworthiness and affordability criteria
• providing acceptable identification and supporting information where required

Meeting basic eligibility criteria does not guarantee approval.

7. Credit Checks and Affordability Assessments

If you apply for finance, the finance provider may carry out one or more credit checks and affordability assessments.

These may include:

• identity verification
• address verification
• credit reference agency checks
• fraud prevention checks
• income and expenditure review
• affordability assessment based on your financial circumstances

Credit searches may leave a record on your credit file, depending on the type of check carried out.

You should ensure that all information provided in a finance application is accurate, complete, and truthful.

8. Deposit Requirements

Some finance options may require a deposit.

The deposit amount may vary depending on:

• the total project value
• the finance product selected
• the lender’s criteria
• any promotional offer in place
• your individual circumstances

Where a deposit is required, the amount and timing of payment will be confirmed during the quotation and finance process.

9. Order Confirmation and Finance Approval

If you choose to proceed using finance, your order may still remain subject to:

• finance approval
• receipt of any required deposit
• successful completion of the lender’s documentation process
• acceptance of the credit agreement
• any cooling-off requirements or processing steps
• product availability and final project confirmation

We may not be able to confirm ordering, manufacturing, or installation dates until the required steps have been completed.

10. Declined Applications

If a finance application is declined, this does not necessarily mean anything beyond the lender’s internal criteria not being met.

We may not be told the reason for a decline and may not be able to explain the lender’s decision.

If finance is declined, you may still be able to proceed using another payment method, subject to our normal quotation and order process.

11. Changes to Finance Availability or Promotions

Finance promotions, interest-free periods, deposit contributions, and other finance-related offers may change or be withdrawn without notice unless already contractually agreed.

This may happen because of:

• lender policy changes
• changes in market conditions
• changes in interest rates
• promotional expiry dates
• changes in provider availability
• changes in product eligibility

Any finance offer is normally subject to the terms in place at the time of formal application and approval.

12. Early Settlement and Overpayments

Your rights regarding early settlement, overpayments, partial settlements, missed payments, or changes to the finance agreement will be governed by the terms of the finance provider.

If you are considering early repayment or wish to change the way you pay, you should contact the finance provider directly unless you are specifically told otherwise.

13. Missed Payments and Consequences

If you enter into a finance agreement, it is important that repayments are made on time and in full.

Missed or late payments may:

• incur charges or interest in accordance with the lender’s terms
• affect your credit file
• impact your ability to obtain credit in the future
• result in recovery action by the lender
• place you in breach of the finance agreement

You should only proceed with finance if you are confident the repayments are affordable.

14. Cancellation and Consumer Rights

Your rights to cancel a finance agreement, where applicable, will usually be governed by the lender’s documentation and by applicable consumer credit law.

Any right to withdraw from a finance agreement does not automatically cancel your order for goods or services unless the law or the contract provides for that outcome.

Because many of our products are bespoke, made to measure, or made to order, cancellation rights may be limited once ordering or manufacture has begun.

If you are unsure how cancellation would affect both the finance agreement and the product order, please ask before proceeding.

15. Finance and Bespoke Orders

Where finance is being used for bespoke, made-to-measure, or specially ordered products, it is particularly important that all plans, specifications, finishes, and selections are checked carefully before approval.

Once ordering or manufacture has started, changes or cancellations may not be possible, or may result in charges, even if finance arrangements are being reviewed separately.

16. Refunds and Adjustments

If a refund becomes due in connection with an order paid for wholly or partly using finance, the handling of that refund may depend on:

• the stage of the project
• the terms of the order
• the status of the finance agreement
• the lender’s settlement and refund procedures

Where applicable, refunds may need to be made through the finance provider or used to reduce the finance balance rather than being paid directly to you.

17. Data Protection and Finance Applications

If you apply for finance, personal data may be processed by us and by the relevant finance provider in connection with the application, administration, fraud prevention, identity verification, and legal compliance requirements.

This may include:

• your contact details
• address history
• date of birth
• financial information
• employment information
• identification documents
• credit and affordability information

We process personal data in accordance with our Privacy Policy. The finance provider will also have its own privacy policy explaining how it uses your data.

18. Anti-Fraud and Identity Verification

Finance applications may involve checks to confirm identity and reduce the risk of fraud.

You may be asked to provide supporting information or documentation, and the finance provider may use electronic verification systems, fraud prevention services, or credit reference agencies.

Any false or misleading information provided in a finance application may result in the application being declined and may have legal consequences.

19. Responsibility to Read Finance Documents Carefully

Before entering into any finance agreement, you should read all documents carefully, including:

• the credit agreement
• the total amount payable
• the annual percentage rate where applicable
• the repayment schedule
• the deposit amount
• any interest-free or deferred payment conditions
• any missed payment consequences
• any withdrawal or cancellation rights
• any default terms

If anything is unclear, you should ask for clarification before proceeding.

20. Independent Financial Consideration

The Little Kitchen Factory does not provide independent financial advice.

Any information we provide about finance is intended as general guidance only unless clearly stated otherwise. If you are unsure whether a finance arrangement is right for you, you should consider seeking independent financial advice or making your own careful assessment before entering into the agreement.

21. Commercial and Non-Standard Projects

Finance options may not be available for:

• commercial premises
• trade-only projects
• non-standard property arrangements
• certain landlord or developer transactions
• projects outside normal eligibility criteria
• unusually structured contracts

If your project falls outside a typical private domestic order, please ask whether finance is available.

22. Completion of Works and Finance Release

Depending on the provider and finance product, funds may be released or the finance agreement may progress at different stages, such as:

• after approval
• after deposit payment
• at order confirmation
• after delivery
• after installation
• after confirmation of completion

The process will depend on the finance provider’s requirements and the type of finance arrangement in place.

23. Complaints About Finance

If your complaint relates to:

• the finance application process handled by the lender
• the lender’s decision
• the credit agreement itself
• interest, charges, or repayment administration

then the complaint may need to be directed to the finance provider in the first instance.

If your complaint relates to:

• our quotation
• our products or services
• our installation work
• information provided by us about your project

then you should contact The Little Kitchen Factory directly.

In some cases, both we and the lender may need to be involved depending on the nature of the issue.

24. No Guarantee of Approval

The availability of finance information on our website or in our sales process does not mean that finance will be available to you.

All finance is subject to status, affordability, and the lender’s assessment criteria.

25. Contact Us

If you would like to ask whether finance may be available for your project, please contact us.

We will be happy to explain the process, discuss the project value, and let you know whether finance options may be available at the time.

26. Contact Details

The Little Kitchen Factory
113 Potter Street
Corner of Priors Well Road
Worksop
Nottinghamshire
S80 2HL

Telephone: 01909 500 666
Email: info@tlkf.co.uk