UKE Finance Options

*On selected kitchens only

Buy Now, Pay Later

Repay at 16.9% APR representative.
10% minimum deposit – up to 50%
Settle your agreement early during the deferral period and pay a £29 settlement fee

Representative example:

  • 6 Month Deferral
  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 16.9% APR representative
  • 60 monthly repayments of £232.16
  • Total term of loan agreement: 66 months, with the first payment deferred for 6 months
  • Total charge for credit £4,929.60
  • Total amount payable £14,929.60

Representative example:

  • 9 Month Deferral
  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 16.9% APR representative
  • 60 monthly repayments of £241.40
  • Total term of loan agreement: 69 months, with the first payment deferred for 9 months
  • Total charge for credit £5,484
  • Total amount payable £15,484

Representative example:

  • 12 Month Deferral
  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 16.9% APR representative
  • 60 monthly repayments of £251.01
  • Total term of loan agreement: 72 months, with the first payment deferred for 12 months
  • Total charge for credit £6,060.60
  • Total amount payable £16,060.60
Interest Bearing Credit

On selected Products:

  • 24 months: 12.9%
  • 36 months: 12.9%
  • 48 months: 12.9%

Representative example:

  • 24 Month
  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 9.9% APR representative
  • 24 monthly repayments of £413.15
  • Total charge for credit – £915.60
  • Total amount payable – £10915.60

Representative example:

  • 36 Month
  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 9.9% APR representative
  • 36 monthly repayments of £288.22
  • Total charge for credit – £1,375.92
  • Total amount payable – £11,375.92

Representative example:

  • 48 Month
  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 9.9% APR representative
  • 48 monthly repayments of £226.03
  • Total charge for credit – £1,849.44
  • Total amount payable – £11,849.44
Interest Free

Minimum spend applies
Only available on certain product lines
Credit is subject to status and affordability
Pay over 12 months

Representative example:

  • Cash price £10,000
  • Deposit £1,000
  • Loan amount £9,000
  • 0% APR representative
  • 12 monthly repayments of £750
  • Total term of loan agreement – 12 months
  • Total charge for credit – £0
  • Total amount payable – £10,000

For help with your finance please call 0151 541 9420

How to Apply for Finance when buying your Kitchen


  • Step 1

    Choose your kitchen

  • choose kitchen

  • Step 2

    View finance options available

  • view finance

  • Step 3

    Press ‘Apply for Finance’ button to continue

  • appliy for finance

  • Step 4

    Check your kitchen selection then press ‘Next Step’

  • kitchen selected

  • Step 5

    Complete the form with your name and address details then press ‘Apply for Finance’

  • fill out your delails

  • Step 6

    Check your finance details to complete your application and press the red ‘Apply for Finance’ button

  • complete application

What Happens Next?

After completing all of the above and filling in your details with Hitachi you will be notified whether you have been accepted, declined or if you need to provide additional information in order for Hitachi to make their decision in approximately 60 seconds.

Once you have been accepted you simply need to call the UKE office on 01515419420 to pay the deposit and complete the agreement online.

Qualifying for Credit

You must:

  • Minimum age of 18 years old
  • UK resident of more than 12 months
  • Own personal bank account from which a Direct Debit can be taken
  • Permanent employment, working minimum 16hrs per week
  • Self employed
  • Retired person
  • On disability allowance
  • Registered carer
  • Unemployed & ‘house person’ (with consent of co-habiting working partner)

Frequently Asked Questions

When do my repayments start?

Payments will begin one month after the goods have been delivered.

When do my repayments start?

Can I change my payment date?

Customers are able to change their payment date once they have received their welcome documents.

Can I change my payment date?

Can I make additional payments?

Yes, customers can make additional payments at any time free of charge.

Can I make additional payments?

Can I change my Direct Debit details?

Yes, please refer your customer to our Customer Service team to discuss this in further detail.

Can I change my Direct Debit details?

How do I view my balance?

The quickest and easiest way for customers to view their balance is by managing their account online. Customers can create an account or access a pre-existing account at https://my.hpf.co.uk/

How do I view my balance?

How do I choose to PaybyFinance?

Select Apply for Finance on an applicable kitchen. Select Proceed to Checkout/Next Step on the next page. Fill out your details before selecting ‘Apply for Finance’. Enter your preferred finance option and deposit amount before proceeding to Hitachi’s Credit Master 2 site.

How do I choose to PaybyFinance?

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.
Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

Who is eligible to apply for online finance?

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered. For Buy Now Pay Later agreements the monthly repayments will start after the deferred payment period ends, should payment not be settled during this period.

When do my repayments start?

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Are there any arrangement fees or hidden extras for credit?

Applying for online finance

Applying for online finance couldn’t be easier or more convenient. When you buy from Used Kitchen Exchange Limited trading as Used Kitchen Exchange you have the choice of applying for finance by selecting apply for finance, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we’ll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.
Following receipt of your finance agreement and a few additional checks, your purchase can proceed.

Applying for online finance

How quickly will my finance application be approved?

All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours) to finalise your purchase. If you your application is referred Hitachi’s Underwriting Team will review your application and may request some further information from you before making their decision.

How quickly will my finance application be approved?

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.
If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.
Once you have agreed to the terms of the finance agreement Used Kitchen Exchange Ltd trading as Used Kitchen Exchange will be notified and you need do nothing more.
If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Once my application is approved, what happens next?

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

Will you credit score me and if so, what does this mean?

If you decline my application, what is the reason?

In addition to credit scoring, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders
If you decline my application, what is the reason?

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

What type of information do credit reference agencies hold about me?

How do I obtain a copy of this information?

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

How do I obtain a copy of this information?

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

If my application is not successful, can I re-apply?

What is APR and Rate of Interest?

The ‘rate of interest’ is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The ‘APR’ is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is “APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender

What is APR and Rate of Interest?

Used Kitchen Exchange Limited FRN: [801582] are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender – credit is subject to status and affordability, and is provided by Hitachi Capital (UK) PLC. Terms & Conditions Apply.

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