Finance Now Available

Here at Basic Elegance Furnishings we understand that buying new furniture for your home can be a costly experience. That’s why we've put together a range of special range of low rate credit finance deals that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative. Using one of our finance options is the convenient way to get your hands on the furniture you want TODAY without breaking the bank! In short, our finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget.

The application process is simple and only takes minutes to complete. Spread the cost of your purchase over a time to suit you, whether it's 12, 24 or 36 months. Just select the Pay on Finance option when you check out on our website and follow the online prompts. Alternatively call 01202 578093 and one of our Sales Representatives will be happy to assist.


Finance Terms and Conditions

If your application is successful you will receive a confirmation email with your order details and anticipated delivery date. Your item will be dispatched and delivered according to the timescale shown on your confirmation email. Please note: in order to safeguard against fraudulent applications, we regret that we are able only to deliver goods to the home address of the applicant. Pay on Finance credit products are available over 12, 24 or 36 months, subject to conditions and status. To be eligible to apply for finance, you must be 18 or over, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time.

Pay on Finance is provided through our external partner, Close Brothers Retail Finance and if your application is successful you will enter into a credit agreement with Close Brothers Group PLC.


Should you choose to cancel your credit agreement with Close Brothers Retail Finance and have already received your goods from us, then you will be liable to pay Basic Elegance Furnishings Ltd, in full, for the product (unless your cancellation rights apply). 


Who is eligible for finance?

Finance is available on orders over £1,000 placed on our website, in store or over the telephone. This amount includes any additional services and delivery options selected.

To apply you will need to be:

  • 18 or over
  • A UK resident for 3 years or more/permanent UK resident
  • Be able to make regular repayments by Direct Debit
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account

Other conditions may apply and we cannot guarantee that your application will be accepted.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Close Brothers Retail Finance - our 3rd party financial services provider - will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It is imperative that you use your full name and address and ensure everything is spelt correctly. Please note, this is an ‘online only’ finance option.


  • Finance is available on purchases over £1,000
  • Buy the items you want now all for a low monthly payment
  • Choose a higher-spec item 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
  • Minimum 10% deposit initially required

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including misspelled or mistyped information, or not meeting the specified criteria. Please note that other conditions may apply and we cannot guarantee that your application will be accepted. If your application is not successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it is usually for one of the following reasons:

  • you do not meet the eligibility criteria
  • adverse credit reference agency information
  • poor credit score
  • you are considered to be overcommitted financially
  • your existing account performance with other lenders

If you wish to appeal the decision made by Close Brothers Retail Finance it is advised you obtain an up-to-date copy of your credit report before commencing the appeal process. Due to data protection, all customer appeals must be emailed directly to

A little bit about Close Brother Retail Finance

Finance. Pure and simple.

Basic Elegance Furnishings Ltd have teamed up with Close Brother Retail Finance to offer you a flexible and affordable option to pay on finance. Close Brothers Ltd are one of the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for many years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Close Brothers Retail Finance, which will be administered by Close Brothers Group PLC, which is authorised and regulated by the Financial Conduct Authority. Close Brothers Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 124750.