Kitchen Finance FAQ's

Spread the cost with our interest free finance available in store. Our interest free credit finance option allow you to spread the cost of your purchase over 2 years. All you need to do is spend a minimum of £20,000 and place a 25% deposit on our Wickham kitchen range.

If you choose our Buy Now, Pay Later option you just pay 10% deposit, with only the remaining balance to pay if you settle within the 6 month period. Or At the end of the Buy Now, Pay Later period you can choose to pay the balance with 120 monthly payments at an interest rate of 11.9% APR

Interest is calculated daily and added monthly at a rate of 0.79%. You must make the minimum repayment each month over 36 (3 yrs), 60 (5 yrs) and 120 (10 yrs) month period. You can make additional repayments and therefore control the term of the loan and reduce the amount of interest you would pay.

After your complimentary design consultation, we require an initial deposit of 10% to secure the quoted price for your kitchen. Followed by a 45% cash payment on survey and a final 45% balance on delivery. This is a finance free payment option, based on a cash purchase.

0% APR REPRESENTATIVE INTEREST FREE FINANCE

When do I have to pay the deposit ?
After your complimentary design consultation, we require an initial deposit of 10% to secure the quoted price for your kitchen. After that, our designer will spend time with you developing a detailed plan and specification to include furniture, appliances and worktops. When you are entirely happy with this plan, we will ask for a further payment to bring the deposit up to 25% of the final price.

When is my first payment due ?
Your first payment is due approximately one month after delivery has been made. Hitachi Capital Consumer Finance will write to/email you to inform you of your exact first payment date before it is due.

What do I have to do to qualify ?
To qualify for this offer you must purchase the furniture and worktops from Optiplan Kitchens and place your agreed deposit by the date specified by your designer. You will also need to be approved for credit by Hitachi Capital Consumer Finance. Eligibility requirements apply.

Can I pay for my kitchen in full before end of the term ?
Yes. You can request a settlement figure at any time from the credit provider

BUY NOW PAY LATER

When do I have to pay the deposit ? After your complimentary design consultation, we require an initial deposit of 10% to secure the quoted price for your kitchen. After that, our designer will spend time with you developing a detailed plan and specification to include furniture, appliances and worktops. This option also has the additional ability to pay off the kitchen in full within 6 months, at a 0% interest.

When is my first payment due ?
Nothing to pay for 6 months, followed by regular instalments there after. Or Repay the finance within 6 months and pay no interest.

What do I have to do to qualify ? To qualify for this offer you must purchase the furniture and worktops from Optiplan Kitchens and place your agreed deposit by the date specified by your designer. You will also need to be approved for credit by Hitachi Capital Consumer Finance. Eligibility requirements apply.

Can I pay for my kitchen in full before end of the term ?
Yes. You can request a settlement figure at any time from the credit provider. Your payments can be as frequent as you wish and as small/large as you desire. By repaying the finance within the first 6 months from purchase, you will pay NO interest. £29 early payment fee applies.
The table above shows you an example of how much your monthly repayments could be based on the total order value.

FLEXIBLE MONTHLY PAYMENT

When do I have to pay my deposit?
Your first payment is due approximately one month after delivery has been made. Hitachi Capital Consumer Finance will write to/email you to inform you of your exact first payment date before it is due.

When is my first payment due ?
Your first payment is due approximately one month after delivery has been made. Hitachi Capital Consumer Finance will write to/email you to inform you of your exact first payment date before it is due.

What do I have to do to qualify?
To qualify for this offer you must purchase the furniture and worktops from Optiplan Kitchens and place your agreed deposit by the date specified by your designer. You will also need to be approved for credit by Hitachi Capital Consumer Finance. Eligibility requirements apply.

Can I pay for my kitchen in full before end of the term ?
Yes. You can request a settlement figure at any time from the credit provider. You must make the minimum repayment each month over the 3 yr, 5 yr and 10 yr period, but you can make additional repayments and therefore control the term of the loan and reduce the amount of interest you would pay.
The table shows you an example of how much your monthly repayments could be based on the total order value. Based on a 120 month re-payment plan. 3 & 5 yearly payments are also available.

Our FCA Complaints Procedure can be seen here.