Finance

Pay in Instalments – Flexible Payments with Divido

We offer a range of attractive finance packages such as 0% over 6/9/10/12 months through our partner Divido – https://www.divido.com.

Finance is enabled as a payment option with an order
value of minimum £250 and maximum £25,000.

The application process is simple, takes around 5 minutes for you to complete, is carried out online and you will receive a decision made within 30 seconds of completion.

Divido Finance Interest Free Koi Pond Filter Equipment

 

In case you decide to take advantage of our instalment plans, here’s a quick guide to everything you’ll need to know.

 

Finance Example

Whether you’ve been coveting one of our low maintenance Synergy Drum Filters, an energy efficient FlowFriend pump, or a new Sakura Super 4 Tier Bakki Shower, why not make budgeting for it a little more flexible.

For example, you could purchase this Sakura Super 4 Tier Bakki shower with media costing £1,330.00 using one of the following options:

20% deposit £266.00 and credit arranged on the balance of £1,064.00

£88.67 per month for 12 months at 0% Interest – total payable £1,330.00

 

Frequently Asked Questions

Am I eligible for finance?

Applying for an instalment plan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history – (no late payments, CCJ’s, etc) – and meet the following minimum criteria:

To apply you must:
  • Be over 18 years of age
  • Be a UK Resident for at least 3 years
  • Have a UK bank account that can accept direct
  • debits
  • Have credit or debit card registered to your
  • home address
  • Have a stable income whether through
  • permanent employment or other means
  • (pension, Disability Allowance, etc.)
  • Be OK for there to be a credit check performed
  • when you submit your application

Please note: Delivery must be to the address you put on
the finance application, which must be the same as your
billing address of the bank account you’re applying
with.

Is a deposit required?

Yes, a minimum 20% deposit will need to be paid upon acceptance. However, if you wish to pay more of a deposit then that option is available to you within the checkout/application.

What information will I need to provide?


During Divido’s secure application process you will be asked to provide some basic personal details such as your marital, residential and employment status. You will also need to have your bank account handy and possibly your credit or debit card information for deposit and ID verification.


How long does this process take in total?


Once you decide you want to make your purchase on finance, a member of our staff will guide you through selecting a plan and setting you up to apply. Our application process typically lasts 5-10 minutes from start to finish should you be accepted and then you will have successfully purchased your goods.


Do I have to have hard-copies of my documents or credit card on me?


No, the Divido application process is 100% paperless. You will simply need to provide your credit card information but no need to present the actual card at any point.

Cancellations & Refunds

You have the right to withdraw from your finance
agreement. In-store this is 14 days following receipt of
goods, in all other sales channels this is 15 days following
signing of the credit agreement. You will still be in a
contract of purchase for the goods. Please contact us to
arrange alternative payment, or to arrange safe return of
goods according to our returns policy here.

Can I buy koi on finance? 

No, for ethical reasons we can't offer finance on livestock. 

I want to buy a full package on finance but can't see some of the products I want. can you help? 

We have been trading for 14 years so have access to most manufacturers products. It is sometimes difficult to keep everything in stock, so if there is something you want but can't find, contact us by phone, email, or social media and we will add it to our website. 

Further Questions?

Feel free to give us a ring on 01909 770704 or send us an email to finance@kitsukoi.co.uk, and we would be happy to answer any questions you might have. Alternatively, pop into our shop and we can process your application while you wait.

About Divido

Divido Financial Services Limited (‘Divido’) is authorised and regulated by the Financial Conduct Authority. For more information, please visit: https://www.divido.com/