Finance


Pay in instalments
Flexible payments with Divido!

Buy in store or over the phone
you can choose from a flexible range of repayment terms such as spreading the cost over 6 or 12 months 0% APR representative with a 10-50% deposit through our
partner Divido.

The application process is simple, takes around 10 minutes for you to complete, is carried out online and you will receive a decision made within 30 seconds of
completion.

In case you decide to take advantage of our instalment plans, here’s a quick guide to everything you’ll need to know.
What will I need?
In order to fill out a finance application with us, you will need the following:

  • Personal details: name, DOB, email
  • address, phone number
  • Address details - 3 years of UK address
  • history
  • Employment details; income, number of years employed,
  • employer's name and
  • title
  • Bank details

How does it work?
  1. Give us a call on 01384 253 200 or visit our showroom and ask about the finance options available to you.
  2. We'll help you complete the online application form.
  3. Once approved, you'll be able to place your order and we'll contact you with a delivery date

When will my repayments start?
Any deposit you want to put down will be taken upon ordering and our monthly repayments will begin two weeks after your items have been
delivered.

Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit
agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement, DJH Ironcraft and Divido will be notified and you need do nothing more.

Will you credit score me and if so, what does this mean?
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. The credit scoring process does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?
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 the reasons for the decline of your
application, it is usually based on a combination of the following:

  •  Your credit score
  •  Any adverse credit reference agency information
  •  You are considered to be financially over-committed
  •  You are aged under 18 
  •  Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?
Some of the information is public information, for example, electoral roll, bankruptcies and County Court Judgments. Other lenders may also file
information about accounts you hold with them, and this could include your payment history and the 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.

.How do I obtain a copy of this information?
You should send a cheque for £2 made payable to the relevant company, together with your name, date of birth and details of all addresses at
which you have lived over the last 6 years:
  • Consumer Help Desk, Experian Limited, PO Box 8000, Nottingham, NG1 5GX
  • Equifax Limited, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US
  • Consumer Services, Callcredit Limited, PO Box 491, Leeds, LS3 1WZ
The above-listed agencies will provide details of your credit history. There is a range of online tools that can also provide analysis of your history
and suggest why you may or may not be approved for credit - an industry-leading one is Experian, which is now free to use.

If my application is not successful, can I re-apply?
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.

Can I request delivery to an address other than my home?
No. In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

When can I expect delivery?
Deliveries for all orders are subject to the lead times shown on our website and the approximate delivery date is shown on your order confirmation. However, for finance orders, once we have confirmation of approval there will be a 2 week processing period before we are able to release your goods. This overrides your approximate delivery date shown in your basket for any items that you ordered that were in stock and due for delivery in less than two weeks.

What if I want to cancel my order?
As we only start the instalment plan after the 14 day returns period has passed, you will not be charged until we know you'll be keeping the item.

Further Questions?
Feel free to give us a ring on 01384 253 200 and we will be happy to answer any questions you might have. Alternatively, pop into our showroom and we can process your application while you wait.

About Divido
Emrai Ltd is a credit broker and not a lender. Financing options are offered through Divido Financial Services Limited in association with RateSetter Bank Limited.

Divido Financial Services Limited (‘Divido’) is authorised and regulated by the Financial Conduct Authority under registration number 628253. For more information, please visit: www.divido.com

For railing and gate installation and more, call D J H Ironcraft on: 

01384 253 200

Based in Dudley, we proudly serve Birmingham, Telford, Wolverhampton, Stafford, Stourbridge and anywhere within a 10 miles radius.

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