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Hot Tub Finance Terms & Conditions

Pre-contract information

About us

What Credit Limited is registered in England and Wales, Company no. 7088857, Registered Office 76 Glebe Lane, Barming, Maidstone, Kent ME16 9BD.

Who regulates us?

What Credit Limited is authorised and regulated by the Financial Conduct Authority, Interim Permission no 633056.

Our permitted business activity is Credit Brokering.

Our Services

What Credit Limited provide Hire Purchase schemes, Conditional Sale agreements & Personal Loans options, regulated and non-regulated.

What Credit Limited do not offer our own loan facilities. What Credit Limited use a panel of lenders to find appropriate finance solutions for their customers’ needs.

Our fees and charges

1. What Credit Limited charge no fees for their services.
2. Payments will be made by monthly direct debit in accordance with the chosen lender.
3. What Credit Limited may receive a fee from the lender.

There may be additional fees or charges that you should be aware of:

A late payment fee or where the lender is required to contact you to request payment of arrears.

Please note, we do not apply an additional charge to cancel any additional policies within the 14 day cooling off period.

The lenders full charges and terms will be supplied in your documents should you decide to proceed.

Why might this service be unsuitable for you?

If you are under 18 years old.
If you are unemployed.
If you are not a UK resident.

Upon referral to our third party credit provider’s they will assess your financial situation. If the provider feels that this product will not suit your financial situation, they will be unable to offer you a credit facility.

When opting in to receive marketing from us you are also consenting for us to pass your information to one or more of the following 3rd party companies if we feel they can assist you in your application for finance, Concept Car Credit, U-Can, Lease car credit, BCS or CR Services. They will contact you to provide information about their products and services by mail, phone, email or SMS.

The consequences of late payment

Before you enter into any financial agreement with a lender, please ensure that you can afford the payments for the full term of the agreement.

If you do not keep up the agreed repayments on your credit arrangement, you may have legal action taken against you and your credit score may be affected.


Your rights.

You have the right to cancel a credit agreement within 14 days of signing. After this point, your rights may be affected. You the customer would need to settle the dealer direct any balance owed.
How to contact the firm if you have any questions or if you require any additional information

With the outbreak of COVID19 we are experiencing issues with stock availability

Our showroom will remain open as we continue through this tough time. For more information, please contact us at: This email address is being protected from spambots. You need JavaScript enabled to view it..

Thank you for your understanding and keep safe.