Fast flexible home improvement finance options

  • Low deposits and low interest or interest free credit
  • Flexible payments and term to suit you
  • Quick and convenient application
  • Unsecured loans with high acceptance rates
  • No hidden costs, fees, or penalties

Get the windows and doors you love and pay your way

At truhouse, we believe in keeping things simple and transparent. We offer 3 funding options that can be tailored to your preferences and budget, giving you flexibility and control over how you pay for your replacement windows and doors.

Self fund

Pay for your new windows and doors with your own funds – be it savings, a credit card, a personal loan, etc.

We take a 50% deposit when you place your order and sign your contract, and you pay the final balance (the remaining 50%) on the day of installation. Both the initial deposit and final balance are paid directly to us by you on receipt of invoice. This is our most popular funding option.

Representative example

Total price

50% deposit

50% balance on installation

Total amount payable

£4,000

£2,000

£2,000

£4,000

All major debit and credit cards (including American Express) are accepted, as well as BACS and cheques.

Low rate finance

Pay for your new windows and doors with low deposit and low interest finance.

We take a minimum 10% deposit at point of order and the remaining balance is paid directly to us by the lender. The repayment plan will be tailored to your needs and you can choose a monthly payment to suit your budget. We offer a low rate of interest with a term of up to 10 years.

Representative example

Total price

10% deposit

Total value of loan

119 monthly payments of

Final payment of

Agreement length

Total amount payable

Representative APR

£4,000

£400

£3,600

£48.55

£46.81

120 months

£5,824.26

10.9% APR

Credit is subject to application and status. Terms and conditions apply. Get in touch for full details.

0% finance

Pay for your new windows and doors with 0% interest finance.

We take a 25% deposit at point of order and the remaining balance is paid directly to us by the lender. The repayment plan will be tailored to your needs, with no interest payable and a term of up to 2 years. It’s a great way to spread the cost if you can afford a higher deposit and repayments over a shorter period of time.

Representative example

Total price

25% deposit

Total value of loan

23 monthly payments of

Final payment of

Agreement length

Total amount payable

Representative APR

£4,000

£1,000

£3,000

£125

£125

24 months

£4,000

0% APR

Credit is subject to application and status. Terms and conditions apply. Get in touch for full details.

Your frequently asked finance questions answered

Do I have to pay a deposit?

Yes. Whether you choose to self fund, take out low rate finance, or take out 0% finance, a deposit is required to place your order and commence manufacturing of your chosen windows and doors.

As you’ll see in the representative examples above, the deposit payment required can vary from 10% to 50% of your total order value depending upon which double-glazing funding option you choose. Our friendly experts will discuss all the options with you and suggest the best plan based on your needs and budget.

We offer flexible payment options, so your deposit can be paid via your choice of debit card, credit card (including American Express), BACS, or cheque.

Is truhouse. authorised to provide finance for windows and doors?

Yes.

truhouse. is a trading style of Stroud Windows (Gloucestershire) Limited, whose Registered Company Number is 05277745. Stroud Windows (Gloucestershire) Limited is authorised and regulated by the Financial Conduct Authority (FCA) to carry out credit broking activities in relation to regulated credit agreements, including canvassing off of trade premises (FRN 839344). You can confirm our registration on The Financial Services Register or by contacting the FCA on 0800 111 6768.

We are a credit broker, not a lender, and have a facility with a panel of lenders.

Do you offer secured finance or unsecured finance?

All finance arranged by truhouse. is in the form of unsecured loans (sometimes referred to as signature loans). We do not currently offer secured loans.

What does this mean?
Lenders issue funds in an unsecured loan based solely on your creditworthiness, perceived ability to repay, and signed promise to repay. Unlike secured loans, unsecured loans have no collateral backing – they require no security, as the name implies. The money you borrow is not secured against your home/mortgage or any other asset, meaning your property will not be repossessed by the lender in the event of non-repayment. If you (the borrower) default on unsecured debt, the lender must initiate legal proceedings in order to reclaim and collect the funds they have advanced to you.

Can truhouse. arrange finance packages for me if I have a poor credit rating?

As each finance application is assessed on an individual basis and subject to differing affordability, status, and lending criteria, it is tricky to say who will be approved without a soft credit check being completed.

truhouse. works with a panel of leading lenders, and our friendly experts will always do their best to help arrange the level of finance you require for your new windows and doors.

Unfortunately we are unable to offer any type of finance to customers who have been declared bankrupt in the last 6 years or are currently in an Individual Voluntary Agreement (IVA).

Does truhouse. offer finance to the self-employed or retired?

Yes, a number of our self-employed and retired customers have taken advantage of our flexible payment options.

truhouse. works with a panel of leading lenders, and each finance application is assessed on an individual basis and subject to differing affordability, status, and lending criteria. The options available to you can be discussed in detail with one of our friendly experts.

Can truhouse. offer finance to me if I receive benefits or investment income?

Yes, a number of our customers that are in receipt of state-funded benefits and investment income have been accepted for finance.

truhouse. works with a panel of leading lenders, and each finance application is assessed on affordability and your personal circumstances are assessed in line with the lender’s affordability criteria. Total household income is considered when assessing affordability. The options available to you can be discussed in detail with one of our friendly experts.

What is the finance application process and how long does it take?

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.

Will payments I make be protected?

Where you choose to self fund your home improvement purchase, your deposit payment is protected under the Glass and Glazing Federation’s Deposit Indemnity Scheme, up to the value of £12,500 or 50% of the order value. This means that in the highly unlikely event of our insolvency, you can claim your deposit money back from the Scheme.

Where a regulated credit agreement is arranged for you by truhouse, you have the statutory right (under the Consumer Credit Act) to claim your money back in the highly unlikely event of our insolvency. The lender is jointly responsible with truhouse. for the goods and services to which your loan applies – in other words, the lender is jointly responsible with us for your replacement windows and doors, and the installation of them.

Can I pay off and settle my loan early?

Yes, you can pay off your account at any time by requesting a settlement figure from your lender and paying the balance outstanding.

Contact details for your lender can be found on your credit agreement, but should you not have this to hand or be unsure, please don’t hesitate to contact our friendly team on 01453 705757, who will be happy to provide the name and contact details for your lender.

There will be a settlement charge (early repayment charge) due, the value of which will never be more than 2 months’ worth of interest. More information can be found in your credit agreement.

If I pay a large lump sum will my monthly payments go down?

No. While you are welcome to make additional repayments as often as you wish and as much as you can afford, this will not change the value of your monthly repayments. Your Direct Debit amount will remain the same until the balance of your loan is repaid in full.

Making additional payments will, however, mean that you will reduce the term and settle your loan more quickly. Should you take out low rate finance, overpaying will also reduce the total amount of interest payable.

Are there any hidden charges or penalties for overpayments?

No. There are no overpayment fees or admin fees applied should you wish to overpay to reduce the term of your loan and reduce the total amount of interest payable.

Does truhouse. have a finance complaints procedure in place?

Yes. Details of our complaints procedure can be found here.

Get in touch today for your tailored finance quotation!

Our friendly team are on hand to assist 6 days a week – our phone lines are open from 8:30-16:30 Monday to Friday, and 10:30-13:30 on Saturdays.

Six simple steps to your replacement windows and doors

Quote

Complimentary design consultation and quick, FREE, no-obligation quote.

Survey

Precise measurements and planning ensures perfection everytime.

Order

Ensure you make the right decision for you – sleep on it for 7 days!

Manufacture

Your new windows and doors will be expertly crafted in Britain.

Install

Professional installation within 3 weeks*, leaving your home clean and tidy.

Guarantee

FENSA registration and 10-year guarantee for added peace of mind.

You tell us what you like and our friendly team of experts will guide you through our easy process.

tru. support

Take the first step. Get your FREE quote!

* Lead times may vary subject to requirements and demand.

Trusted by over 5,000 homeowners like you

More than 5,000 homeowners have used truhouse. to supply and install replacement windows and doors since 1982

Start your home improvement project today

Whether you have a modern, contemporary, or traditional home, we have the window or door for you!

  • Enhance the external and internal appearance of your home
  • Improve the quality of your living environment
  • Provide the best security from intruders
  • Protect your home from the elements and reduce your energy bills
  • Add value and character to your home

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