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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

Mr & Mrs Glasgow – Chalfont St Peter

We are very pleased with our frameless curtains in our dining room and lounge, both of which open out into a conservatory.   Our first contact with you, by telephone, was excellent.  We were invited to look at your glass curtains at your showroom in Chatham which is an hour and a half distant.  Seeing

Excellent experience all round

Frameless glass curtains seemed to be the only company who could create what we needed and provided us with an incredibly professional service with great attention to detail. The doors and window we have had fitted have exceeded our expectations. We are really pleased with every aspect of the experience. I can highly recommend this

Kate Brintworth
Kate

Mr P – Aylesbury

We have been very happy with the service you offer and indeed the product. We found the office responded promptly and the delivery was swift and when promised. The fitting staff were professional, polite and unintrusive. We would be very happy to let people look at our installation. 20150724

Absolutely thrilled with the doors

We are absolutely thrilled with the doors and thank you all very much.
The service has been exemplary from the office to the surveyor to Mick & John fitting.
We would not hesitate to recommend you. Mr & Mrs N, Chelmsford

Mr and Mrs N

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!

Happy with all your support

The bottom line, I am happy with all your support to get me the financial support for this project.  Without your help the project would not have been realised.

Bashir
Bashire in Cambridge

MIKE LEVERS, Hove

Installation of four double-glazed doors, internal to a large bay window arrangement, top floor flat. Initial contact was by email and a quote came back within a couple of days. More than can be said for some of the other companies we contacted about similar products. We visited the factory for a demonstration and were

Looks even better than we imagined

Your fitters have just left and we are very pleased with the installation, the door looks even better than we imagined and the guys were really professional. Looks like we will go ahead with the other one. However, we will wait awhile till we are sure it will look ok as it is a taller

ER
ER

Mr W @ Church Street Sutton Courtney Oxford

We had been dealing with a large commercial glass door supplier who were extremely slow and unable to meet our requirements for a large opening on our barn. I found your product on the website and came to see you at your farm. You came out the following week and the installation was completed with-in

An underestimated product

After visiting a NT stately home which had a glass porch entry I asked fgc to see if they could do one for us. I had the vestiges of a porch with brick sides but no front. The installation made the entrance a feature which is declared up market and interesting. It is a halfway

Professor Eaton
Professor

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

Customer Service

I contacted FGC to try and marry up a few weather strips to replace old one’s which I have already fitted on glass curtains. The glass curtains were not supplied by FGC and the company who supplied them, when asked for replacement weather strips just said “we no longer have these in stock and not

Michael Hobby
Mike

COVID-19 Update 5th January 2021

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