Here at truhouse. we make the finance application process quick and simple:
Step 1 – Book your free finance appointment
Simply get in touch to book your 30-minute finance appointment, conducted via your choice of media – be it face-to-face in our showroom, in your own home, via video chat or virtual meeting, or via telephone.
Step 2 – Identify your needs and the best option(s)
One of our friendly finance experts wlll discuss your requirements, and identify and talk you through the option(s) best suited to your needs in detail. This will include calculation of your deposit, monthly repayments, and total amount payable, based on the total price of your desired home improvements, the representative APR (amount of interest you’ll pay annually), and the term (length of loan) you choose.
Step 3 – Choose your finance package and complete your application
Once you’ve determined the level of home improvement finance you wish to apply for, we will run through a quick series of questions relating to your status, financial circumstances, and borrowing history, in order to carry out the soft credit search.
Step 4 – Submit your application and await the decision
Once complete, we will send your application to our lenders for review, where they will complete all applicable checks (including standard identity checks and credit checks) and aim to have a credit decision ready for you as soon as possible (typically instant).
Although we have high acceptance rates, applications can sometimes be referred prior to approval or declined. Where your application is referred prior to approval, we will explain why this is and obtain the additional information requested by the lender (typically pertaining to your identification or income). In the event your application is declined, we will share with you the reason why (typically because you didn’t meet the lender’s specific criteria when the credit check was carried out, or you have made a lot of credit applications in a short period of time).
Step 5 – Application is approved, deposit is taken, and your order is placed
Once your application has been approved, the lender will email the credit agreement to you for your acceptance and to complete the application.
Once signed, your financing is ready to go. We can proceed to take your initial deposit and begin manufacturing your new windows and doors. Your monthly repayments will only commence once your windows and doors have arrived, been installed, and you have signed your post-installation customer acceptance form.