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Finance Buy Now Pay Later

0% APROn ALL BasketsAnd payment terms to suit you
Far lower than you’ll pay elsewhere!

Pay Less at Herne Bay Domestics

Buy appliances on finance with us and pay a lower interest rate than you would at any of our major competitors.

  • 0% APR finance on ALL baskets
  • Short-term & long-term finance options
  • Fixed-rate payments
  • Options to pay over 6, 10, 12, 18 or 24 months (or even 6 weeks for short-term finance)

And there’s no hidden fees!

Frequently Asked Questions

How does interest free finance work?

Interest free finance (also known as 0% finance) allows you to buy the appliance you need now and pay for it over a period of time, without paying any extra money on interest. You’ll pay the exact same amount through interest free finance as you would by paying in full today – you’ll just have longer to spread out the payments.

This allows you to get the appliance in your home now, without the upfront cost. You can get long-term interest free appliances on any basket over £556, and short-term interest free on any basket under £1000.

How do I buy appliances on finance?

Buying appliances on finance at Herne Bay Domestics is easy. First, click the “Buy Now” button on the appliance you wish to buy. This will take you through to your basket page where you can review your order. Once you are happy with your basket, click the “Proceed to checkout” button (exactly as you normally would when buying appliances from us) and fill out your billing details.
Short-term finance
If your basket is under £1,000, you’ll see Zips “Own it now, pay later” button beneath your basket total. Select this payment method and press “Place Order”. You will then be directed to Zip’s quick and simple checkout.
zip finance appliances
Long-term finance
If your basket total is over £556, you’ll see a “Pay by Finance” button beneath your basket total. Simply click this button and select the best finance option for you.
buy appliances on finance

Can I choose my deposit amount?

Yes, you are able to choose the deposit amount when selecting long-term finance via Pay by Finance. The minimum deposit amount for this is 10% of your basket total.
Whereas if you’re selecting Zip for short-term finance, you don’t have to pay any deposit. You instead pay the first instalment upfront, which is 25% of your full purchase amount.

How much do I pay per month?

The cost per month is determined by your basket total and the finance options you choose. You’ll see the exact amount you’ll need to pay per month without committing by adding the products to your basket and going to the checkout.

When is the first payment due?

The date when the first payment is due will depend on the finance option you choose. If you’re selecting short-term finance, you’ll pay 25% of your full purchase upfront, then 25% every 2 weeks for the next 6 weeks. For long-term finance through Pay by Finance, you’ll pay your initial deposit and then the first payment will be due about 30 days after your goods have been delivered. You will receive a letter in the post from Hitachi Capital Finance stating the date and amount of payment that will be taken from your account. If you have any queries regarding the date or amount stated on the letter please call the Hitachi Capital Finance Helpline on 0344 375 5500.

Is there anything I can’t buy on finance?

By partnering with two of the industry’s leading finance companies, you can buy any appliance listed on our website through finance, regardless as to how much it costs.
You can get short-term finance on all baskets under £1000, or long-term finance on baskets over £556, depending on which best suits your needs.

Can I make additional payments into my account?

Yes, you can make additional payments on your account through both short-term and long-term finance options. To make a manual payment with Zip, you can log into your Zip customer portal and manually make a payment. If you’re making an additional payment through Pay by Finance, your monthly instalments will remain the same however your finance agreement will be paid off much quicker.

Are there any hidden fees?

No. There are no hidden fees with our finance options. You’ll see a complete breakdown of all fees at the checkout before you commit to buying anything.

For Pay by Finance, the only possible additional fee would be if you fall into arrears. In that instance, Hitachi Capital Finance will charge you for each arrears letter sent out. This won’t affect you if you pay your fixed monthly payments on time.

For Zip, you will only ever pay the price shown, so long as you pay your scheduled payments on time.

I have a question, who can I contact?

Us! You can call us on 01227 361536 during opening hours and we’ll be more than happy to help.

Have a Question? 01227 361536