Duologi 0% Interest Free Spending



About Duologi 0% Finance

Thinking of Choosing Finance?

We are able to offer 0% deals for 3, 6, 9 and 12 months. Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online. The quick application form takes only a short time to complete.

Check Your Eligibility

Before you apply it would help improve the chance of an acceptance if you:

  • Are at least 18 years old and will be no older than 75 years at the end of the loan term.
  • Are in regular full or part-time employment (minimum £10,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance).
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.

Our Payment Plan Options

We offer a range of interest-free finance options to help you spread the cost of your purchase over 3, 6, 9 or 12 months. The value of the loan needs to be over £300 and you can choose a deposit from a minimum of 10%, and up to 50% of the value of the goods.

Representative example would be:

0% finance over 12 months

  • Total order value = £600
  • 10% deposit = £60
  • Total amount of credit = £540
  • Duration = 12 months
  • Representative APR = 0% (fixed)
  • Interest charged = £0
  • 12 monthly payments of = £45
  • Total amount payable = £600

Paying with Finance

Simply decide which purchases you would like to pay with finance and we'll provide you with the online application form, which takes just a few minutes to complete. Take a look at our products available with finance and shop now. If you have any questions just let us know.

Finance Decision

Your application will be assessed based on various factors including eligibility, credit history and affordability and Duologi will let you know the outcome of their decision.

Once approved, you just need to digitally sign your credit agreement, pay your deposit and the process is complete.

In a very few cases, your application may be referred to a lender for manual underwriting. In such cases you’ll be notified by email of the credit decision. If you’re not approved for finance it could be for a variety of reasons. You should gain a copy of your credit file and this will be able to give you more information.

Repaying the Loan

Your first direct debit is due 25 days after the loan start date. This will show on your statement as a payment to Specialist Lending Ltd. You have the right to repay all or part of the loan early at any time.

Any late or missed repayments may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future. Offered subject to status and successful credit assessment.


If you wish to cancel an order please contact us by email or phone 01827 949794 or sales@springgardenandhome.co.uk

The Legal Bit

Spring Garden and Home Ltd acts as credit broker and not a lender, offering credit products provided by Specialist Lending Limited (trading as Duologi). For more information please visit www.duologi.com. Spring Garden and Home is a limited company registered in England under number 12502252 at the registered address: Unit 1 Elford Lowe Farm, Elford, Tamworth, Staffordshire B79 9BJ.