As well as our personal loans and mortgages, Shawbrook offers finance products through an approved network of retailers, home improvement companies and holiday ownership resorts.
We offer a range of products, over a variety of terms, including interest bearing, interest free, deferred and buy now pay later finance products.
APR’s range from 0% to 19.9%
We work with home improvement companies, holiday ownership resort operators and most types of retail businesses. Some examples are furniture, cycles, musical instruments, audio visual, dental and healthcare.
We promise that we will:
• Act fairly and reasonably in our dealings with your customers
• Help them understand the financial implications of their loan
• Provide your customers with a high quality service
No, all of our Point of Sale lending products are unsecured loans.
We are able to provide interest free, fixed or variable rate loans for your customers. Our team will discuss the finance options available with you to create the best finance solution for your business.
Loan terms available and maximum amounts that customers can borrow will vary depending on the type of purchase being financed and type of finance product offered.
This will depend on the type of purchase being financed and type of finance product offered. We do offer some low or no deposit required products.
While our home improvement products are exclusive to FCA authorised businesses, our Retail products include some credit facilities for retailers that are not FCA authorised.
For a conversation about how we could work together, please get in touch
Yes, we can offer a complete range of credit facilities to suit your business, catering for sale and promotional credit.
Many businesses have the same questions. Our Regional Account Managers are point of sale finance specialists, with years of experience in this sector, that will be happy to assist you.
Yes, we use the latest technology to provide you with a range of integration options that would suit your needs.
We have a number of customer journey options depending on what is best for your business. In most cases, it is a simple online application which can be completed in a matter of minutes.
In most cases decisions are made immediately. Where the case needs to be referred to an underwriter, we have underwriters available 7 days per week to process the application.
If your customers have applied online we will send an e-signature pack to them instead.
We use Equifax and TransUnion (formerly Callcredit) as our reference agencies. Their details are as below:
An annual percentage rate (APR) is the annual rate charged for borrowing and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan
Our point of sale products range from 0% to 19.9% APR depending on the type of product being financed and finance product offered.
The monthly Direct Debit amount will be the minimum monthly repayment quoted on the customer credit agreement.
For most retailers, once you have supplied your customer with the products that have been financed you request payment and, we will pay you next working day.
Please call our Partner Support line on 0345 600 7680.
Please contact your Regional Account Manager.
Please call our Partner Support line on 0345 600 7680.
Yes, they have the right under the Consumer Credit Act 1974 to repay all or part of the outstanding balance at any time.
If they have a question about their loan or purchase before their credit agreement starts, we would expect them to contact you directly as the company they are arranging their loan with.
They can contact our customer services team on 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays).
Yes, a customer can make additional payments to their loan at any point. Making a payment in the deferred period of a BNPL agreement would reduce their balance when the loan rolls into an interest-bearing loan.
Our Shawbrook App is available for our Home Improvement clients. The Android and iOS app helps frontline sales staff show the benefits of Shawbrook finance in the customer’s home.
Your dedicated Regional Account Manager will be able to provide the appropriate link for Android and iOS devices.
Click on Settings
Click on General
Click on Device Management
“Trust” Shawbrook Bank Ltd
Please call our Partner Support line on 0345 600 7680 or your dedicated Regional Account Manager in the first instance.
If you have made a payment to us via your smartphone and would like to talk to us about that payment, you can contact us on 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays).
If you wish to change your bank details or your payment date please contact our customer services team on 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays).
We are a responsible lender, and we will always deal with you honestly and sympathetically. Please tell us immediately if you can’t afford the payments on your credit agreement.
If you tell us before you miss any payments, it's much more likely we'll be able to help you.
You can contact us on 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays) .
If you have a question about your loan before your credit agreement starts, please contact the company with whom you arranged the loan with. Once your credit agreement has begun our customer services team can help with any questions. You can call them on 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays).
As the payment you have made is towards a financial commitment, we do not offer a refund. However should you need to discuss the payment, you can contact us on 0345 650 6290 8am – 8pm Monday to Thursday, 8am - 6pm on Friday and 9am – 2pm on Saturdays (excluding bank holidays).
Our teams have experience of all kinds of personal lending. We are a responsible lender, and we will check that you can afford the loan before we agree to it.
We promise that we will:
No, your credit agreement or loan is unsecured. This means that it is not secured against your property.
Borrowing money is a serious matter. You need to think carefully about whether you can afford the payments over the full term of the loan.
If you wish to cancel/withdraw from your loan then please contact us within 14 days of your approval date, you can speak to our agents on 0345 850 9961 selecting option 1 (Monday to Friday 9am to 7pm, Saturday 10am to 2pm). If we haven't heard from you after the 14 day period we'll assume you're happy with everything and you will be bound by the terms of your loan.
If you are already making payments and would like to discuss settling your loan please call 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays).
In the first instance, you should contact your supplier to discuss your complaint. You should be able to find their contact details on your receipt or their company website. If your complaint has not been resolved, you can contact our customer services team to see how we can help.
We are unable to deal with your complaint until it has been formally raised with your supplier. Please contact your supplier in the first instance. If they are not able to resolve your complaint to your satisfaction, you can contact our customer services team for further assistance.
Yes, you will need to continue making the repayments for your loan. Your loan agreement is between yourself and Shawbrook Bank, not the supplier of the goods or services you purchased, therefore the agreement is still valid and you must continue to meet repayments.
If you have been asked to make a payment to your loan via your smartphone you can make that payment using one of the following debit cards, Visa Debit, Maestro Debit or Mastercard Debit. We do not accept payments via credit card.
If your supplier is no longer in business you must continue to meet the repayments of your Shawbrook loan. If you are happy with your purchase, you do not need to do anything else. If there is a fault or problem with the goods or services you have received from the provider, and you are now unable to contact them directly, please get in touch with our customer services team so we can assist you further.
If you have a variable rate loan, we will give you not less than 10 days' written notice of any change to the interest rate, or notice in any other lawful manner.
You have a right under the Consumer Credit Act to repay all or part of the outstanding balance early at any time.
In the first instance, you should contact your supplier to discuss your complaint. You should find their contact details on your receipt or their company website. If your complaint has not been resolved, please get in touch with our customer services team to see how we can help.