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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

Brilliant After Installation Service

Our FGC sliding doors were installed in May 2018.
Although we have had two relatively minor problems – neither of which stopped the doors from working – FGC have attended very promptly to carry out remedial action.
Excellent customer service from head office and excellent service from install technicians.
Many visitors comment

Nick Medlam
Medlam

Very pleased and would definitely recommend

FGC have been fantastic, from my email enquiry, always very helpful and quick to respond. On time and on schedule.  Very pleased and would definitely recommend.   English Rose Estates (Great Ormond Street) 20150922

Exceeds expectations

Just to thank you for great service, it exceeds expectations and is really appreciated. Please circulate around your team and particular thanks to the two guys who completed the work professionally and represented your company very well. Thanks again Reg Ford

Reg Ford
Reg

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

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 & Mrs V, London

We are delighted with our FGC doors even though the construction of the room is still not yet completed – friends and family visiting our new Garden Room are all commenting vey positively on how amazing the doors look. With the beautiful summer we are having, it is a real pleasure to be able to

Mr R D @ Stowmarket

We are pleased with the service, and the quality of finish so far, I look forward to seeing how they look after a few months. My only issues was the timings and delays, but I wouldn’t hesitate to recommend you and indeed have already a few times or use you again. 20150113

Mrs M @ Beaumont Close London SW15

We were very happy with the service offered from start to finish. The frameless glass doors are a perfect solution to our extension and have received many compliments.The workmen who installed the doors were courteous and efficient, the job completed in a few hours, we had a slight problem that needed attending to and this

Minor Problem Addressed

A strip of the furry trim at the top of the frame that the doors run on had come loose. On the one hand the sort of thing that one could have a go at fixing; on the other hand having witnessed the care and attention the FGC installation team do their work; I thought

Shindi Poonia
Shindi

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

I have nothing but praise

I have nothing but praise for FGC who have just replaced a panel in my frameless glass curtain which is almost 10years old…there was no quibble and they replaced it quickly and efficiently…I would recommend their frameless product to anyone wanting a stunning addition to their home..with 5 star service

rosalie reeder
rosie

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