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FGC Finance Offer

Payment plans to help spread the cost

Hitachi Capital (UK) PLC is a financial services company and provider of point of sale retail finance.  Hitachi Capital (UK) PLC is a wholly owned subsidiary of Hitachi Capital Corporation, and an affiliate of both Hitachi Ltd, a world leader for manufacturing and technology, and Mitsubishi UFJ Financial Group Inc.

two sets of frameless doors

Representative Examples

Finance Option 1:

BUY NOW PAY LATER REPRESENTATIVE EXAMPLE
NO REPAYMENTS FOR 12 MONTHS*
CASH PRICE £15,000.00
DEPOSIT £3750.00
TOTAL LOAN AMOUNT £11,250.00
REPAYMENTS x 108 MONTHS £208.46
TOTAL CHARGE FOR CREDIT £11.263.68
TOTAL AMOUNT REPAYABLE (INC. DEPOSIT) £26,263.68
REPRESENTATIVE APR 14.9%
FIXED RATE OF INTEREST 14.9%

If your agreement has a deferral period, interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period.  Any payments you make during the deferral period will be interest free and will reduce your outstanding balance and the amount of interest charged. 

Finance option 2:

INTEREST BEARING REPRESENTATIVE EXAMPLE
CASH PRICE £15,000.00
DEPOSIT £3,750.00
TOTAL LOAN AMOUNT £11,250.00
REPAYMENTS x 60 MONTHS £236.16
TOTAL CHARGE FOR CREDIT £2919.60
TOTAL AMOUNT REPAYABLE (INC. DEPOSIT) £17,919.60
REPRESENTATIVE APR VARIABLE 9.9%
FIXED RATE OF INTEREST 9.9%

Minimum Lending Criteria

  • You are a minimum of 18 years old.
  • You have been a permanent UK resident for at least 12 months and will continue to be for the duration of your loan.
  • You are employed or self-employed, working a minimum of 16 hours per week on a permanent contract (acceptable employment/income types include, student Doctors or Nurses, a retired person, in receipt of disability allowance, but Hitachi will require proof of the level received, a house person can apply if they live with a spouse/partner who can provide employment detail.
  • You must be the homeowner and be living in the property where the installation will be.
  • You must have an email address where Hitachi can forward your loan agreement to.
  • Loan value must be between £500-£50,000
  • All loans are subject to status.

Cooling-off Period

Please be advised that there is a 14-day cooling-off period during which you can cancel your loan application, however, as we commence manufacture on receipt of your deposit, after 7 days your order cannot be cancelled so alternative means of payment will be required and you will revert to our usual payment terms and conditions where 90% is paid before installation and the remaining 10% 28 days after.

Settle Early

You can repay your loan in full at any time with a small early settlement fee of £29.

If you opt to settle your interest-bearing credit loan in full on any given day then the interest on the outstanding balance is recalculated to that day plus an additional 30 days. This, however, should not be confused with an overpayment, as you also have the option of making overpayments throughout the course of their interest-bearing loan and this inevitably brings down the outstanding balance along with the interest accruing on the new balance.

If your agreement has a deferral period, interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period.  Any payments you make during the deferral period will be interest free and will reduce your outstanding balance and the amount of interest charged. 

Additional payment

Although your commitment is to a minimum monthly repayment, you can make extra payments as and when you please, reducing the length of your loan and the interest you pay.

Reducing balance of Loan

Interest is charged on the outstanding balance only. So increasing your payments could reduce the interest you would otherwise pay.

If your agreement has a deferral period, interest will accrue from day one of your agreement and you will be required to pay interest on any balance outstanding on the expiry of your deferral period.  Any payments you make during the deferral period will be interest free and will reduce your outstanding balance and the amount of interest charged. 

Low Deposit

Ordinarily, customers are required to pay a 50% initial deposit, 40% one week before installation and the final 10% 28 days after installation, whereas customers taking advantage of one of our finance packages will only pay an initial 25% deposit which means you can keep your hard-earned savings working for you.

Peace Of Mind

Under the loan agreement the lender is also liable for safeguarding any deposit and upholding the guarantee issued by Frameless Glass Curtains Limited (FGC).

What Happens Next?

  1. Contact FGC who will quote for your home improvement
  2. An FGC surveyor will come out and take measurements
  3. Once we have received your completed and signed documentation you will have a 15-minute telephone appointment to go through the loan application process
  4. Subject to status, you will be notified of the acceptance of your application.
  5. You pay your 25% deposit and return your signed drawings and contract
  6. FGC commence manufacture
  7. Following the installation of your product, all you need to do is sign our satisfaction note
  8. Your monthly payment will be taken by monthly Direct Debit, one month later for Interest bearing loans, 12 months later for Buy Now Pay Later

Important Information

Borrowing money is a serious matter. You need to think carefully about whether you can afford the payments over the full term of the loan.  

Please be aware that interest is charged from the date the account is opened. Further details and full terms and conditions can be found on your finance agreement. It is important to read all your documentation and understand the details and costs associated with taking advantage of the financial services.

Impact on your credit file

Please click here to read Hitachi’s privacy notice and the impact a loan application will have on your credit history

Frameless Glass Curtains Ltd (FGC) is authorised and regulated by the Financial Conduct Authority and acts as a credit intermediary and offers credit products provided by Hitachi Capital (UK) PLC who is authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk Registered Office: Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491

FGC is acting as a broker for Hitachi Capital (UK) PLC (the lender).

FGC does not work with any other finance providers.

FGC receive a commission on the interest-bearing loans

FGC cannot give financial advice.

Frameless Glass Curtains Ltd, Company Reg: 06831096, Unit 17E, Altbarn Industrial Estate, Revenge Road, Lordswood, Chatham, Kent ME5 8UD is authorised and regulated by the Financial Conduct Authority and also subject to the Financial Ombudsman Service.

Information correct in January 2020

What our customers say

Delighted

The frameless doors we had fitted are exactly what we had hoped for, they look amazing and bring the outside in and inside out !The service from the company was exceptional at all times.

Lorraine Hucker
Lorraine

A big thank you

Hi Sara Just to day a big thank you for relating the doors the guys did a great job I had to leave them to it as I was in London Regards Melissa

Mellissa

Mr M K @ Saffron Walden

A heartfelt thank you from us. We knew we wanted something a bit special to set off our extension, which has been absolutely essential in making our new home work for the family. We scoured the internet for something that would allow an uninterupted view of the planned garden but would also allow us to

Mr G H

I was very impressed with your facilties and how all the aspects of my purchase were explained. Your installers were thorough and polite and finished off the installation well, and would have no problem in reccommending you to others. Your aftercare was very good and prompt. All in alll very impressed with the doors and

Frameless Glass Curtains

I am very happy with the installed doors. The fitters did an excellent job. They arrived on time, were polite and helpful, and went through all of the relevant information with myself and my wife.
They also cleaned the windows at the end of the installation.

David Thurston
David

See for yourself this brilliant design

“Visiting the FGC factory before a site viewing was the best decision we made. Very few of the reviewers make any mention of the apparent simplicity that disguises the cleverness and ingenuity in this way of dealing with a large size glazed opening. At the factory the finer details behind the design were explained, and

A great installation

“Thank you again for a great installation, we are really enjoying the extra light.” I will be sending a load more images your way at some point today.

Mr T – Woking

First class

We moved last year and wanted to maximise the view right through from the rear to the front of the building, overlooking the river. After much searching we found FGC, who installed internal glass doors between the rooms. FGC were very efficient and although we are in the North they sorted out a subsequent small

Simon Ely
Simon

Mr H @ Baldock

The service I received from FGD was professional and prompt from the initial on site survey through to installation and completion. Added to this the finished product has exceeded my expectations. It has enhanced my home with style and individuality, and enabled me to make use of the space in a way that is ‘unique’.

Hugely impressed by your level of service.

I just wanted to say that I remain hugely impressed by your level of service. The two chaps who came out to service our doors were once again marvellous.  They are very polite and clearly very skilled. It’s very easy these days to complain and sometimes it’s nice to pass on credit where it is

Mrs L

It’s nearly a year since you installed our glass curtains. They have been really great, exceeding our expectations, particularly during the winter months when they were absolutely draught free. When they are fully open you really feel that the lounge is part of the garden, it all becomes one space. Many thanks, they were one

N & S, Manchester

Just wanted to say a big thank you for coming up to Manchester from Kent to service our doors. My wife and I appreciated the service and continue to be really pleased with them. Lots of friends comment on how lovely they look and the window cleaner took your card this week, he is thinking