FINANCE CALCULATOR

See how affordable your home improvement can be with ERGs Finance Calculator.

To make life easy for you, ERG can arrange a variety of convenient easy payment finance options (subject to application & affordability). Making an application is simple and we promise you a quick decision. Everything can be sorted out with you in the comfort of your home or at our Invergordon showroom and you should get an answer to your application within 24 hours, so you can enjoy whatever you’ve set your heart on right away.

  • BUY NOW PAY MONTHLY Spread the cost of your home improvements over 60, 120 or 180 months*
  • BUY NOW PAY IN 12 MONTHS This option allows you a 12 month payment holiday from the date of completion.
£
Spread the cost over 5, 10 or 15 years...
60 monthly payments
Deposit
£
Representative APR
7.9%
120 monthly payments
Deposit
£
Representative APR
7.9%
180 monthly payments
Deposit
£
Representative APR
7.9%
This finance option allows you the convenience and flexibility of spreading the cost of your home improvements over 60, 120 or 180 months*. You must make the minimum repayment each month. However you can also make additional payments and therefore control the length of the loan and the amount of interest you would pay. No security is required on these loans. These calculators are for illustrative purposes only and do not constitute a credit quotation. *180 months finance only available for orders over £7,500.

Representative Example

Cash Price
£4,000.00
5% Deposit
£99.00
Total Amount of Credit
£3,901.00
Duration of Agreement
60 Months
Rate of Interest
4.3% p.a. fixed
Representative APR
7.9% APR
24 Monthly Payments
£78.42
Total Amount Payable
£4,804.20
Credit is subject to status and affordability. Terms and conditions apply. ERG Scotland Limited (Registered No. SC195590 & VAT No. GB 734888976) at Unit 19 Clayton Court, Invergordon IV18 0SB is authorised and regulated by the Financial Conduct Authority – Firm Reg. No. 729552 is a credit broker and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register no. 704348).
£
Deposit
£
Pay within 12 months + £29 exit fee
£
Want to pay in monthly instalments after 12 months rather than one-off payment? Consider this option.
120 monthly payments
Deposit
£
Representative APR over 10 years
11.9%
This option allows you a 12 month payment holiday from the date of completion. Pay £99 deposit when you order, and as long as you pay the outstanding balance in full before 12 months has elapsed plus a £29 settlement fee, no interest will be charged. If, after 12 months, this is not convenient, you can pay in 120 monthly installments at 11.9% APR Representative. *Deferred for 12 months from the date of completion – £29 settlement fee applies if the loan is repaid in full during the deferral period and NO INTEREST will be paid. For legal reasons the Representative Example shows interest IF the outstanding balance is NOT paid before the 12 months has elapsed. No security is required on this loan. These calculators are for illustrative purposes only and do not constitute a credit quotation.

Representative Example

Cash Price
£4,000.00
Deposit
£99.00
Total Amount of Credit
£3,901.00
Duration of Agreement
132 Months*
Rate of Interest
7.8% p.a. fixed
Representative APR
11.9% APR
120 Monthly Payments
£60.29
Total Amount Payable
£7,3333.80
Settlement Fee
£29.00
Credit is subject to status and affordability. Terms and conditions apply. ERG Scotland Limited (Registered No. SC195590 & VAT No. GB 734888976) at Unit 19 Clayton Court, Invergordon IV18 0SB is authorised and regulated by the Financial Conduct Authority – Firm Reg. No. 729552 is a credit broker and is authorised and regulated by the Financial Conduct Authority. Credit provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (Register no. 704348).

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