Payment on finance

0% APR Representative

Leekes Ltd. acts as a credit intermediary and offers credit products from Creation Consumer Finance Limited. Leekes Ltd acts as a credit broker and not the lender. Leekes Ltd offers products from Creation Consumer Finance Limited. Creation Consumer Finance Limited act as the lender. Terms and conditions apply, subject to application, financial circumstances, and borrowing history. Minimum spend and eligibility criteria applies.
Creation Consumer Finance Limited. Authorised and regulated by the Financial Conduct Authority. Registration Number 311518. 


Terms & Conditions

  • Finance is subject to status.
  • UK resident for at least 3 years. Finance is only available to UK residents.
  • Provision of a valid Telephone number, email address, and bank account which supports direct debit.
  • Interest free credit is sometimes available on selected ranges at varying times throughout the year.
  • The minimum purchase level in store is £1,200 on all eligible products and must include a 20% deposit.
  • The minimum purchase level online is £1,200 on all eligible products with a 0% deposit.
  • The maximum duration of an interest free credit finance agreement is 24 months.
  • The maximum purchase amount on kitchens is £12,000.
  • The maximum purchase amount on bathrooms and furniture is £6,000.
  • Excludes all conservatory products, and all clearance lines.
  • Excludes selected concessions and partners.
  • Full written details are available on request.
  • Have all items that you order delivered to your current UK home address. 
  • Be over 18 years of age.
  • Be able to pay the interest free loan in regular installments by Direct Debit from a bank account in the applicant's name.
  • Provide a valid mobile telephone number.
  • Have a valid email address.
  • Have a gross income of £10,000 or more.
  • Posses a valid UK driving license (full or provisional photocard) or a valid UK passport. Proof of identity will be required for home delivery or collection purposes.


Online representative example

Based on 18 months interest free credit

Cash price £1,800
Deposit (0%) £0
0% APR representative  
Interest rate 0% fixed
Number of payments 18
Monthly payment amount £100
Total amount repayable £1,800

 Online offer

Minimum loan value Loan term (months) Deposit Maximum loan amount
£600 12 0% £12,500
£1,800 18 0% £12,500
£2,400 24 0% £12,500
£3,600 36 0% £12,500


In store representative example

Based on 18 months interest free credit

Cash price £2,250
Deposit (20%) £450
0% APR representative  
Interest rate 0% fixed
Number of payments 18
Monthly payment amount £100
Total amount payable £2,250

Please note:

Interest free credit is subject to status and affordability. For online purchases, you will complete your finance application during the online checkout. This will take approximately 20 minutes and will include a credit check. An employer reference check may also be required. No order or contract exists and no goods will be dispatched until these checks are made and receipt of your e-signature credit agreement is confirmed.  A failed application for finance may affect your credit status. Duration of interest free credit is dependent upon spend level and non-negotiable.
Finance terms and conditions online may differ from those offered in store. Please contact your branch before making a visit to ensure that the items you require are eligible for interest free credit.


Leekes is pleased to offer you the option of paying for your shopping in easy to manage installments, including an option that is completely interest free.
Unless otherwise stated, Conservatories are not sold with interest free credit - check in store for applicable finance packages.


How to pay on interest free credit:

  • Go shopping! Choose your goods. You'll see a tick and 0% Finance available on the product page if the item is eligible for Pay on Finance
  • Apply: Simply choose the finance option on Step 3 of the Checkout page and complete all the information accurately. If you make a mistake, do not worry, you are able to review all your entries, together with the items you have ordered, and amend them before you submit your application. Note: Your order has yet not been accepted. Your application for interest free credit has not yet been approved.
  • Get approved: You will see an in-principle decision at the end of the checkout. Your order will either be approved, referred, or declined. Sometimes we will need additional information before your order can be approved. If your status shows as referred, further checks will be carried out before your order can be accepted.
  • You must ensure that you provide a weekday, daytime telephone number during your order so that we can contact you to discuss the loan arrangement if necessary. 

Please be aware that your order remains on hold until the cancellation period has expired.


More information and finance FAQs

How do I choose to pay by interest free credit?
Just select the interest free credit option on the checkout page or let the sales consultant know if you're buying in our showrooms.


When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.


Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Acceptance is subject to status.


Creation Consumer Finance Limited

Interest Free Credit and Interest Bearing Credit is provided by Creation Consumer Finance Limited. Authorised and regulated by the Financial Conduct Authority (FCA). The FCA has laid out a number of principles which include explicit and implicit guidance on the fair treatment of customers. These can be found on the FCA website

Note - Finance is only applicable to UK residents.


Leekes are licensed, credit brokers
Credit is subject to status and written quotations are available on request. The credit advertised is provided by one credit provider with whom we have a commercial relationship.


Applying for online finance
Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

When you buy online from Leekes you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form. The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you on how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement. Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.


How do I contact Creation Consumer Finance Limited?


For Creation Consumer Finance Limited questions and FAQ's please visit their support page at


Phone: 0371 402 8905

  • Monday - Friday 08:30 - 17:30
  • Saturday 08:30 - 17:00

Outside of these hours you will be able to use the automated services to make payments or access account information.

Address: Creation Consumer Finance Ltd, Chadwick House, Blenheim Court, Solihull B91 2AA


How can I make payments to my account?


  • Visit
  • Register your details and login once you get your password via email.

From here you can make payments, view information about your account, update your details and much more.

By phone:

Call Creation on 0371 402 8905 and pay through their automated system using either a Debit or Credit Card.


What types of payment do Creation accept?

  • Mastercard credit/debit card
  • Visa credit/debit card
  • Visa Electron
  • Switch
  • Maestro
  • Solo


Can I pay more than my monthly repayment?

You can increase the amount of your monthly payment or make additional payments at any time to reduce your account balance and shorten the term of your loan.


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. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on the screen. 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 (Leekes) will be notified and you need to do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Creation Consumer Finance Limited. Shipment of your goods will follow soon after your agreement has been returned to our finance company.


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. Credit scoring 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 main reason for the decline of your application, it is usually based on one, or a combination of the following:
· Your credit score (note that every finance company will score you differently)
· Adverse credit reference agency information
· You are considered to be overcommitted
· 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, County Court Judgements, and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and 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 £2.00 made payable to the relevant company, together with 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 Ltd., Credit File Advice Centre. PO Box 1140.
Bradford, BD1 5US
Consumer Services, TransUnion International UK Limited, PO Box 491,
Leeds, LS3 1WZ
The above-listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.


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.


Who is eligible to apply for online finance?
To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years or more. You must be able to provide a valid telephone number, email address and a bank account in the applicants name which supports direct debit. Homemakers aren't excluded from applying under their own names; however, we will require the employment details of your spouse in order to process your application.

Unfortunately, we are unable to offer online finance to residents of Eire. 


Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you.


How do I raise a complaint?
Please contact us (Leekes) with details of your complaint. If you still have not resolved your concerns and you have purchased a product with the assistance of retail finance provided by Creation Consumer Finance Limited, then you can direct any complaint to them and they will then work with Leekes to seek a resolution. You can also escalate your complaint to the Financial Ombudsman Service ( if you feel that Leekes and Creation Consumer Finance Limited have not addressed the issues you have raised in a reasonable manner.


Official company information
Company Name: Leekes Limited

Registered Head Office

Leekes Retail Group
Leekes Limited
Mwyndy Business Park
Rhondda Cynon Taff
CF72 8PN

Registered Company Number in England and Wales : 00563751
VAT number: 135044206

Conservatories & Glazing representative examples


Ground Floor

Window Type/Size mm Source 600 x 900 900 x 900 900 x 1200 Total Deposit Sub-Total Affordable Finance 60 Months Finance Total Finance Cost
uPVC Casement Window Which £460 £580 £660 £3660          
  Leekes £396 £400 £450 £2440 £244 £2196 £46.10 £2765.92 £569.992
 uPVC single hung sash Window Which £710 £900 £1055 £5410          
  Leekes £522 £522 £560 £3036 £304 £2732 £57.35 £3441.03 £709.03
 Aluminium Casement Window Which £930 £1090 £1225 £6965          
  Leekes £617 £697 £758 £4046 £405 £3641 £90.60 £5436.11 £944.93


First Floor

Window Type/Size mm Source 600 x 900 900 x 900 900 x 1200 Total Deposit Sub-Total Affordable Finance 60 Months Finance Total Finance Cost
uPVC Casement Window Which £555 £675 £760 £4125          
  Leekes £396 £400 £450 £2440 £244 £2196 £46.10 £2765.92 £569.92
 uPVC single hung sash Window Which £805 £990 £1145 £5875          
  Leekes £522 £522 £560 £3036 £304 £2732 £57.35 £3441.03 £709.03
 Aluminium Casement Window Which £1025 £1180 £1315 £7405          
  Leekes £617 £697 £758 £4046 £405 £3641 £76.43 £4585.93 £944.93

Conservatories & Glazing representative examples


Finance based on 9.9% APR with variable terms from 36-120 months. Garden buildings 5 x 3 list price £27,784 less discount. 10% deposit £2,222, 120 monthly payments £258 cost of credit £11,031 total amount repayable £31,035. Canopies and Carports 3m x 2.5 polycarbonate £2,837, 36 monthly payments of £89 cost of credit £433 total amount repayable £3,270. Glass room 4m x 3m list price £14,620 less 10% deposit, £13,158=120 x £170 cost of credit £7,256 total amount repayable £20,414. Windows from 36 x £13.50 cost of credit £64.66 total amount repayable £487.66. Full built conservatory £19,000, 10% deposit 120 x £221 cost of credit £9,429 total amount repayable £26,529. Size of windows 1m x 1m white with one vent. Glass roofs 3m x 3m. Composite door white rustic Diamond Jacobean flint square. Conservatory 3m x 3m flat site, frames to ground, active cleaning glass.