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BUY NOW PAY 2021

Buy Now Pay Later

We believe everyone deserves to own their dream hot tub or swim spa, without having to compromise on quality because of affordability. That’s why we have partnered with Hitachi Capital, one of the worlds largest consumer credit providers, to bring you our fantastic buy now pay later finance option. Finance applications are subject to status, minimum deposit required, terms and conditions apply.

With Hitachi, you are protected under the Consumer Credit Act 1974 and have certain rights in the unlikely event that a problem should occur and you’re not satisfied.

Need just a little more time to get your finances together? Rather keep the money in your own bank a while longer? Then our Buy Now Pay Later (BNPL) option from Hitachi Capital could be for you.

BNPL allows you to defer the outstanding balance for up to 1 year, from the installation date of your hot tub or swim spa. This is a good option if you are certain that you can pay off the outstanding balance within the deferred term.

How does BNPL work?

With the BNPL finance option, you pay a minimum deposit amount of 20%, then the outstanding balance is deferred for 12 months from the installation date.

Are there any interest or fees?

The BNPL option carries an admin fee, otherwise known as an ‘exit’ fee, of £29. This is applied by Hitachi and added to the outstanding balance.

As long as you pay off the outstanding balance in full within 12 months from your installation date there will be no interest to pay. However, if you allow the term to lapse without paying off the full balance the  interest will have accrued on any balance remaining at the end of the 12 month deferred term  and will be applied to the loan amount at the rate of 11.9% APR. The loan will then be payable over a term of 120 months.

You can make overpayments whenever you like and clear the balance before the end of the deferment period and during the repayment term of the loan without incurring any additional costs.

How long will my application take?

Typically applying for one of our finance options takes around 20 minutes. At the end of this application process, you will be given a decision as to the outcome of your loan. If you are successful in your application you will receive a link via email from Hitachi to e-sign the relevant documents.

Representative Example:

BNPL

Cash price £9,850.00

Deposit £1,970.00

Amount Of Credit £7,880.00

Defer By 12

Months 120

Interest Rate 7.80

APR 11.9

Duration 132 Months

120 Monthly Payments Of £121.78

Total Amount Payable £16,583.60

Settlement Fee  £29.00

 

Lenders Disclosure

Credit is subject to status and affordability.  Terms and conditions apply.

All prices on this web site are subject to change without notice. Whilst we make every effort to provide you the most accurate, up-to-date information, occasionally, one or more items on our web site may be mis-priced.

AMA Connections Ltd FCA REGISTER No 816812 trading as Hydropool Scotland act as a credit broker and not the lender. Credit is provided by Hitachi Personal Finance, trading style of Hitachi Capital (UK) PLC, with whom we have a commercial relationship and we may receive a commission. Hitachi Capital (UK) PLC is authorised and regulated by the Financial Conduct Authority (Register no. 704348).

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