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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.

You can view our FInance FAQ here

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.

You can see our Finance FAQ here

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

FINANCE OPTIONS AVAILABLE

What our customers say

Frameless Glass are one of the most impressive companies I have ever come across

This company have a product which to my mind is “second to none”. Their glass doors really let you feel you are outside as they have the tiniest of joins…I used to know the exact cm measurement! I was initially worried though about what would happen on follow up problems as their main office is

Fiona Robinson
Fiona

No complaints at all

Feedback-wise all very good. No complaints at all. Not only would recommend but plan to buy another one in a year or two! Happy for you to put me down as a demo person and when the house(s) is finished you’d be welcome to have a video of the doors opening / closing as you

Mr & Mrs M – Kingswood, Surrey

I am quite happy to recommend your company to any prospective clients. You have my contact details and you can pass them on if you wish. We are also happy to be on your list of completed installations.   The installation team were very good clean, tidy and polite.   It all started with our

the amazing glass door from FGC

The amazing glass door has transformed our kitchen and given it a wonderful inside/outside living feel and flooded the room with sunlight. It’s a fantastic product. The whole team at FGC were superb.

Gerry Geddes
Gerry

Courtesy and Efficiency

Somewhat belatedly may I thank your team for your no quibble, courtesy and efficiency in fixing the problem with my door. All down here are most impressed! Thank you for your input into all this. MBH, Essex

MBH, Essex

Wonderful product and great service

Following the installation of our new FGC porch, I wanted to give a recommendation for the excellent and diligent service, and wonderful product we received from FGC. Numerous people have commented since we had the work done, and it has clearly added value – both visually and financially – to our property. Also, when the

Paul Jackson
Jackson

Wonderful

First class frameless clear glass door system excellent fitting team very pleased with product

Susan Summersby
Mrs Paignton

Delighted with the transformation

The Glass Curtains are all that you promised….and are much admired. We are delighted with the transformation to the dining area now that the decoration is complete. Will forward cheque by post tomorrow( Friday)  and some pictures by E . Don’t hesitate to use us as a satisfied customer!

Always Polite

Re delivery, there was an initial hope that you might be earlier than the 6-8 week lead time, but once that wasn’t going to happen, you gave us a date, and were then able to bring it forward a couple of days to fit around our holiday schedule, which was great.  Guys turned up at

Fabulous company !

I have used the Frameless Glass Company on a number of occasions, both for new installation and maintenance.
On all occasions their service and personal was ultra professional, along with top quality products. I would highly recommend this company to anyone !

Carl Fordham
Carlf

Achieving exactly what we wanted

We are delighted with the end-resulting porch and it is achieving exactly what we wanted from it. We have also had several very positive comments from visitors, etc – which is very gratifying. We have also been impressed with the attitude and approach of all the company employees we have met.

Mr & Mrs White
Mr & Mrs White - Staffs

Mrs J @ Childer Crescent Little Sutton Cheshire

Following the installation of our “double glazed curtains” we would like to say we are delighted with the result. The amount of light now coming into the living room is so different, we are also pleased with the amount of noise they keep out, We are glad we had them double glazed. Paul was a

COVID-19 Update November 2020

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