Frequently Asked Questions
Applicants must be 18 and over at the time of application – Must be younger than 80 years old on the day of the last payment of the agreement – Permanent UK resident and home owner – In regular permanent employment (min 16 hours or more) – Self Employed – Retired with proof of state, private or company pension – Long term invalidity / disability / mobility benefit (details of income must be supplied including reference numbers).
Approximately 30 days after the installation is complete and your satisfaction note has been signed and returned.
Yes, shortly after installation of your new home improvement measure/s the lender will write to you. You can then contact the lender directly to arrange to change the date of your monthly direct debit.
Yes, you can pay off your finance early and there are no penalties to do so. All you need to do is contact the lender via the details on your Consumer Credit Agreement. You can speak to a member of the customer services team who will be able to advise you on the process. The remaining balance will be recalculated for you and amended automatically.
An application should take approximately 15 – 20 minutes to complete.
You will receive an instant ‘accept’ or ‘decline’ from the lender once your online application is submitted. On occasion this may be referred to an underwriter to review your application if a decision is borderline. For example: Inaccuracies in your application, missing information, markers on your credit file etc. If an underwriter steps in this can take up to 20 minutes to come back with a decision (Underwriters available 9am – 6pm Mon-Fri).
An Annual Percentage Rate (APR) is the interest displayed as a fixed percentage to be used as a comparison against the cost of other forms of finance, credit, and loans.
No. Finance provided by Improveasy is not secured against any form of property or asset and is classed as ‘unsecured personal finance’. The details regarding this will be clearly outlined on your Consumer Credit Agreement.
You can call Improveasy and speak to one of our advisers who will be able to assist you with any enquiries on our free phone number 0800 024 8505 select option 2.