Finance Explanation and Representative Example

Up to 36 months 0% APR representative interest free finance
Spread the cost with our interest free finance available online and in store. Our simple finance options allow you to spread the cost of your purchase over 12, 24 or 36 months.

All you need to do is:
all you need to do is, place a deposit of up to 50% for 0% finance. Please speak to our in store team for further information on which models this is available on, and any terms attached.

Please note the above quotation is an indicative cost and actual monthly payments may vary slightly.

Up to 60 months 4.9% APR representative interest bearing finance
Spread the cost with our interest bearing finance available online and in store.

Our simple finance options allow you to spread the cost of your purchase over 24, 36, 48 or 60 months.

We offer No Deposit finance.
Of course should you decide to leave a deposit this will reduce your monthly payments.

Cash Price £5600
Deposit NIL
Loan amount £5600
Annual Interest rate 4.9%
60 monthly payments of £105.42
Total Term of Loan Agreement 60 months
Total Charge for Credit £725.35
Total Amount Payable £6325.35

Please note the above quotation is an indicative cost and actual monthly payments may slightly.

Just select the finance option on the product page or let the sales consultant know if you’re buying in our showrooms.

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 we will require the employment details of your spouse in order to process your application.

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn’t be easier or more convenient. When you buy online from Hydro Active Spas you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option on the product page, 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 e-sign the agreement or print and sign the agreement twice. 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 goods will be dispatched.

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 Hydro Active Spas 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.

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 us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

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

  • Your credit score (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

Some of the information is public information, for example electoral roll, County Court Judgements 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.

You should send a cheque for £2.00 made payable 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
  • Callcredit 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.

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant.