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Finance Information

Thinking of choosing finance?

Used responsibly, a loan is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Snap Finance whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose Snap Finance. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

Check your eligibility

Before you apply, please note that you will only be considered for finance if you:

• Are at least 18 years old
• Are in regular full or part-time employment (minimum 1 hour per week or £10,000 income per annum), unless you are retired and receiving a private or company pension, or you are in receipt of disability living allowance
• Are a permanent UK resident and have lived in the UK for at least 3 years
• Have a UK bank account capable of accepting Direct Debits

Will I be accepted for finance?

Whether you’re accepted for finance or not depends on many different factors. At Snap Finance they have a dedicated credit team that uses their bespoke credit engine to help them reach decisions. Snap Finance will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision. This search will appear on your credit file and will be visible to other lenders if you apply for credit with them in future.

In some cases, your application will be referred for further assessment. You may be asked to provide some more information to help Snap Finance make their decision. If this does happen, you will be told whether your application has been accepted as soon as the decision is made.

What do I do if I have been declined?

If your application was declined, Snap Finance may be unable to give you specific reasons why. Snap Finance uses information from your credit report, alongside your income and expenditure data to make a lending decision. If you feel that there has been a mistake, please feel free to contact Snap Finance via email at [email protected] or call them on 03300 109381.

Paying with Finance

Simply add the purchases to your basket and select Snap Finance at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete

Take a look at our products available with finance and shop now

Finance Agreement

Please contact Snap Finance on either email at [email protected] or call them on 03300 109381.

Changing your payment date can only be done after the first payment has been taken. Please contact Snap Finance on either email at [email protected] or call them on 03300 109381.

Please contact Snap Finance on either email at [email protected] or call them on 03300 109381.

We’re sorry to hear this. Please contact Snap Finance on either email at [email protected] or call them on 03300 109381.

When will I receive a copy of my loan agreement?

As part of your application on the Snap platform, you will be presented with pre-contractual information and a copy of your credit agreement for you to digitally sign. Please take time to check the details in these documents are correct and that you understand the amount and frequency of your payments before you sign. Once your deposit has been paid, a copy of your e-signed credit agreement will be emailed to you.

You can get a copy of your loan agreement by contacting Snap Finance on either email at [email protected] or call them on 03300 109381.

Payments and Order

Your payments will be taken by Direct Debit using the details you provide during your application. If you’d like, you can make additional payments by debit or credit card.

I want to amend my order.

If you have been approved for finance, the amount or term cannot be amended. You will need to contact us Cheltenham Mowers Ltd (mowers-online) to amend the goods or services you ordered and you may need to complete a new application for finance.

Please note we cannot guarantee a new credit application will be approved. All credit applications will leave a credit “footprint” on your credit history.

Please contact us Cheltenham Mowers Ltd (mowers-online) and we will help you.

If you find that you’re struggling to make your payments, you should contact Snap Finance as soon as possible. They will work with you to come to a repayment solution that meets your needs and does not put you at risk of wider financial difficulties. Please contact Snap Finance on either email at [email protected] or call them on 03300 109381.

Cancellations and Returns

You will have a 30-day cooling off period, during which you can cancel your finance agreement.

To cancel your finance agreement, you will need to contact us Cheltenham Mowers Ltd (mowers-online) and arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Snap Finance to cancel your finance agreement and refund any payments that have been made. Please note that if you have used the goods and they can no longer be sold as new then we may need to make an adjustment to your refund to reflect the reduction in the value of the goods.

If you have made an in-store application, we will refund any deposit payments that you made.

Please note: in some cases and depending on the nature of the product or service you have purchased, you will not be able to return your goods. Our terms and conditions will explain the types of goods that cannot be returned.

There is a 30-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, please contact us Cheltenham Mowers Ltd (mowers-online) directly. We can cancel the application on your behalf. There is no need to contact Snap or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application. Your lender will refund your deposit and let you know if you have any balance to repay.

For details of our returns and money back guarantee Please Click Here

For any other questions contact us by telephone on 01452 616169 or email [email protected]

Complaints

Unfortunately, things sometimes go wrong. If you have cause to complain about the service you’ve received from us or Snap Finance you can make a complaint either by phone or in writing.

To complain about our goods or services, please contact us at [email protected] and we will aim to resolve your complaint as quickly as possible. More information about our complaints handling process can be found in our terms and conditions.

If your complaint is about your finance agreement, you should contact Snap Finance:

Correspondence address is: Snap Finance Ltd, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB

Contact Number for Complaints is: 03300 109381
E-mail address for Complaints is: [email protected]

Their complaints policy sets out all you need to know to help you raise your complaint with them. For further information please visit https://snapfinance.co.uk/complaints

Still have questions?

For any questions related to Financing please contact Snap Finance on 03300 109381 or email them at [email protected]

Use of your personal data

In order to process your application, you will be asked to provide information about your personal, employment and financial situation. Snap Finance will perform a search with one or more Credit Reference Agencies to conduct their creditworthiness and affordability assessment to help them make their decision.

You can find out more about how Snap Finance use and protect your personal data in their Privacy Policy:

https://assets.snapfinance.co.uk/PRD/Privacy+Policy.pdf

Legal Information

Cheltenham Mowers Ltd, trading as mowers-online is acting as a credit broker and not a lender. Finance is provided through Snap Finance Limited. Snap Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 741813).