Buy Now Pay Later - Age Care Bathrooms

Buy Now Pay Later From
Age Care Bathrooms

Buy Now, Pay Later

With our Buy Now, Pay Later (BNPL) option, you only need to pay a 35% deposit to get started. The remaining balance can then be deferred for 6 or 12 months. If you clear it within that time, you’ll just pay a £29 one-off fee with no interest. If not, the balance will automatically move onto a 48-month repayment plan at a representative 9.9% APR — giving you the flexibility to spread the cost in a way that works for you.

How It Works

Choose your deferral: Pay a 35% deposit up front, then defer the remaining balance for 6 or 12 months.

Two ways to settle:

Pay the balance in full during the deferral: You’ll only pay a £29 one-off charge (no interest).
Or let it switch automatically: After the deferral, the remaining balance moves onto 48 monthly repayments at 9.9% APR representative.

Good to know: If you clear the balance within the deferral, it’s just the £29 fee plus your balance. If not, standard credit applies for 48 months at 9.9% APR.

At A Glance Options

Deposit: You only need to pay 35% upfront.
Deferral length: 6 or 12 months with nothing more to pay in that time.
Early settlement in deferral: Clear the balance within the deferral and pay just a £29 one-off charge, with no interest.
If not settled: After the deferral, the remaining balance automatically moves onto a 48-month repayment plan at 9.9% APR representative.

Representative Examples

These examples are for illustration only. Exact figures will be shown on your finance agreement.

£7,500 Walk In Bath

• Price: £7,500
• Deposit: £2,625 • Amount of credit: £4,875
• Cost of Credit – £1,533
• APR: 9.9%APR Representative
• Total term: 60 months
• Total amount payable: £9,033

£12,500 Wet Room

• Price: £12,500
• Deposit: £4,375
• Amount of credit: £8,125
• Cost of Credit – £2,555
• APR: 9.9% APR Representative
• Total term: 60 months
• Total amount payable: £15,055

Your Buy Now Pay Later
Questions Answered

Do I Qualify For Credit?

To qualify for credit, you must be at least 18 years old and have been a UK resident for more than 12 months. You will need to hold a personal bank account from which a Direct Debit can be taken and meet one of the following criteria: be in permanent employment working a minimum of 16 hours per week, be self-employed, retired, on disability allowance, registered as a carer, or unemployed and a ‘house person’ (with the consent of a co-habiting working partner). Applicants must also not be declared bankrupt, engaged in an Individual Voluntary Arrangement (IVA), or have any County Court Judgments (CCJs) against them.

Can I make payments during the deferral?

Yes. You can pay some or all of the balance. If you clear the full balance in the deferral period, you pay just the £29 one-off charge and no interest.

What if I don’t clear it in time?

Any remaining balance automatically moves to a 48-month plan at 9.9% APR representative. You can still overpay or clear in full at any time.

Is there a deposit?

A 35% deposit is required to get started. This reduces the balance you finance and helps keep monthly payments manageable.

Will this affect my credit file?

Applications include credit checks. Missed or late payments may impact your credit rating.

Can I combine BNPL with your other offers?

Some promotions can’t be combined with finance. We’ll clarify what’s available when you receive your quote.

How do I sign up?

There’s nothing you need to do right now. After your free, no-obligation home design visit, our team will go through the finance options with you and guide you step-by-step through the application. We’ll handle everything, so the process is simple and stress-free.

Buy Now Pay Later In a Nutshell

With our Buy Now, Pay Later plan, you can get your new bathroom now and pay on your terms:

A range of payment and deferral terms available on purchases up to £25,000.
Deposit options are between 10% and 50% of the purchase price.
Settle in full during this period with just a £29 settlement fee and no interest
9.9% fixed APR after 12 months.
After the holiday period spread equal monthly repayments up to 48 months.
Alternatively, experience financial flexibility by settling at any time within 48 months, reducing interest (including interest calculated at inception of agreement).
Flexibility to make overpayments at any stage of the loan, enhancing convenience.
Soft search: A quick credit check that doesn’t affect your credit score or leave visible marks on your file.

Responsibilities : It’s important to note that financing is a form of credit agreement. In the event of non-payment, your lender may involve a debt collection agency or initiate legal proceedings to reclaim the owed amount. Moreover, failing to keep up with your payments could adversely impact your credit record and history.

Age Care Bathrooms Ltd is registered in England and Wales No 11252547. Age Care Bathrooms Ltd are a credit broker and not a lender. We offer credit products from Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance. Age Care Bathrooms Ltd is authorised and regulated by the Financial Conduct Authority FRN 1003031. Credit subject to age and status. Credit subject to status and affordability. Age Care Bathrooms Ltd FRN : 1003031 are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply. The register can be accessed through http://www.fca.org.uk

The Age Care Payment Calculator

If you’re not sure how much your bathroom will be, just get in touch with us on 0800 999 8994 and we’ll give you an approximate cost. Our starting prices for a Walk In Bath is £7500, a Walk In Shower (Just the shower area) is £8500 and a Full Wet Room is £13,500.

Buy Now Pay Later From Age Care Bathrooms