Finance

Spread the Cost with Finance Available on Orders over £300 with Transporters R Us

Our interest bearing finance option is available online, in-store or over the phone. 
For purchases of £300 including VAT or more. 
It's quick, easy and in most cases you'll get an instant decision.
Our online retail finance partner is DEKO and all credit is provided subject to status. 


Example Finance (Classic Credit 19.5%)​​​​​​​

12 Monthly Option 24 Monthly Option 36 Monthly Option
Cash Price £300.00 Cash Price £300.00 Cash Price £300.00
Deposit £30.00 (10%) Deposit £30.00 (10%) Deposit £30.00 (10%)
Amount of credit £326.88 Amount of credit £353.28 Amount of credit £381.00
Total interest £26.88 Total interest £53.28 Total interest £81.00
12 instalments of £24.74 24 instalments of £13.47 36 instalments of £9.75
Typical APR 19.5% Typical APR 19.5% Typical APR 19.5%


How to Apply
You can apply for credit in several different ways:

Website:
Add the items you wish to purchase to the Shopping Cart. 
Complete the Checkout and select "Quote me for Finance Purchase" as your payment option. 

- Our sales team will send you an agreement by email for you to complete.
You will be automatically sent an agreement for the 12 Monthly Option, with a 10% Deposit, if you require 24 or 36 Months or you want to pay more than a 10% deposit (max 50%) you can reply to the email and state your requirements. 
📌 Goods MUST be delivered to your Billing Address, no exceptions. 

In-Store: 
Visit us and apply in-store. 

- Please bring 2 forms of ID with you. 
ID 1: Drivers License or Passport
ID 2: Bank Statement or Utility Bill (Mobile Phone Bills are not accepted)

📌 Goods MUST be collected from Store. 

Over the Telephone:
Call us and our sales team will complete an application form with you and email you an agreement to sign.

📌 Goods MUST be delivered to your Billing Address, no exceptions.

 

However you apply, it takes only a couple of minutes and you get an instant decision.

Criteria
To apply for finance you must meet the following criteria:
• You must be over 18 years of age.
• You must be a UK resident with at least 3 years continual address history.
• You must be in full time employment, unless retired or a house person with a spouse in full time employment.
• You must have a UK bank account capable of accepting Direct Debits.
• The goods must be delivered to your home address.


Finance Benefits
Credit is available on all purchases over £300 including VAT - delivery costs not included. 
Buy the items you want now + accessories, all for a low monthly payment.
Select 12, 24 or 36 month repayment periods.
Choose a higher-spec product for a few pounds more per month.
You can spread the cost of your purchase to minimise your monthly payments.
One-stop shopping: no need to go to a bank to secure funding.
Keep cash for day-to-day expenses.
Fixed repayments — your payments are fixed for the duration of the agreement allowing you to budget more effectively.


FAQ's 
How much can I borrow?
When checking out, just fill out our easy online application form and you can be approved for up to £5,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £300 including VAT but not delivery costs. 

Is a deposit required?
Yes, on our classic credit option a minimum of 10% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What type of equipment can I purchase?
Almost everything, please check with the sales team before ordering if unsure. Special order items cannot be returned and please remember that the minimum order value is £300 including VAT.

What length of repayment is available?
You can choose a 12, 24 or 36 month loan repayment period.

Can I pay my agreement off early?
You have the right under section 94 of the Consumer Credit Act 1974 to repay early in full or in part at any point. If you wish to pay any amount early you must give notice to the credit provider, Close Brothers Retail Finance, Dee House, St. Davids Parl, Flintshire, CH5 3XG, or you can telephone them on 0844 880 65 42 or email them: CBRFservice@closebrothers.com. Unless you repay in full, any early repayment you make will not reduce the duration of the agreement but, if you give them notice of your intention to pay an amount early, they will recalculate the amount of the remaining monthly instalments.
​​​​​​​
Can I cancel or amend my order? 
You have the right to amend or cancel your order and credit agreement within 30 days from the date of your order. Should you wish to amend or cancel your order within the 30 days period please contact the Enquiry line on 01792 892 944 between 9am - 5pm Weekdays or you can email us at info@trusgroup.co.uk and we will respond to your email within 48 hours. 

Terms and Conditions

  • Order value is parts excluding any delivery charges.
  • Consumable are not available to purchase on any finance scheme. 
  • Loyalty points are not awarded with any finance scheme.
  • Re-Maps are not available to purchase on any finance scheme.
  • Gift cards not available to purchase on any finance scheme.

Legal Information

Transporters R Us Ltd is authorised and regulated by the Financial Conduct Authority, register number 653697.
Finance is provided through the DEKO platform by a number of lenders.
You will be offered the best rate available based on your credit history and the lenders’ credit decision policies. 

DEKO is a trading name of Pay4Later Ltd who act as a credit intermediary.
They are registered in England and Wales.
Company No. 06447333 and authorised and regulated by the Financial Conduct Authority, Register No. 728646
For more information please go to  www.dekopay.com/faq or visit www.dekopay.com.