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Fitted Wardrobes & Kitchens on Finance

Here at Hammonds we know that one style doesn’t suit everyone, which is why we stock such a wide variety of designs and finishes to enable you to add that all-important personal touch to our stunning fitted furniture. And, with your convenience in mind, we take the same approach with our payment options, making it even easier for you to pick up your fitted wardrobes and kitchens on finance.

We understand that everyone’s monetary situations are different and what’s immediately affordable for some isn’t for others, so we offer 3 options when it comes to funding, enabling you to be as flexible as possible when making your purchase. Whether you want to pay up front for your fitted kitchen, are looking for pay monthly wardrobes or are seeking a buy now pay later deal, here at Hammonds we’ve got you covered.

Find out more about getting fitted wardrobes and kitchens on finance below:

finance table demonstrating monthly repayments if you buy now and pay in 2020

Option 1 - Cash Payment

Perfect if you’re looking to make the process of picking up your fitted wardrobe or kitchen on finance as simple as possible. An initial 25% deposit upon agreement, followed by 65% payable 15 working days before delivery. Lastly, a final 10% payable on day of completion of your new fitted room.


Option 2 - Home Improvement Account

If you’re looking for pay monthly wardrobes, the home improvement account could be the solution for you. Start off with a 10% deposit upon agreement, then spread the total cost of your Hammonds fitted furniture over monthly repayments, with a choice of up to 60 months at an approximate interest rate of 8.9% APR.


Representative Bedroom Example.

Based on retail price £2500.

Deposit of £500

Total Amount of Credit of £2000.

60 Monthly Repayments of £41.09.

Rate of interest 8.9% APR Representative.

Total amount payable £2965.40.


Representative Kitchen Example.

Based on retail price £6000.

Deposit of £1200

Total Amount of Credit of £4800.

60 Monthly Repayments of £98.61.

Rate of interest 8.9% APR Representative.

Total amount payable £7116.60.


Option 3 - Buy Now Pay Later

Buy Now Pay Later is the ideal answer for those who are looking for fitted wardrobes and kitchens on finance but don’t have an abundance of funds available immediately. Buy Now Pay Later gives you the freedom to have your Hammonds furniture installed now with nothing to pay for 12 months. If you repay the agreement in full within the deferral period, then there is no interest to pay (£29 early exit fee applies). If the balance is not cleared after the 12 months, then you will automatically begin monthly repayments at 19.9% APR. 10% deposit required.


Representative Example.

Cash price of £2500.

10% deposit of 250.

Total Amount of Credit of £2250.

Duration of agreement - 132 months including 12 months deferral.

120 monthly repayments of £48.38.

Rate of interest 19.9% APR Representative

Total amount payable £6055.60

Early exit fee £29.


Credit is subject to application and status. (E.g. minimum order value £1000, maximum loan, deposit, etc.). Authorised and regulated by the Financial Conduct Authority. Hammonds Furniture Ltd, Fleming Road, Harrowbrook Industrial Estate, Hinckley, LE10 3DU. 666837 FCA act as a credit broker and not the lender, and offers products from a range of financial providers.


How we tailor-make your fitted living space

swatches illustration

1. Home design service

Interior design ideas and
space creating solutions

survery drawing illustration

2. Detailed room survey

The best craftsmen measure twice
and cut once.

wardrobe interior illustration

3. Installation

Our qualified team will take care
of every detail.