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Home Improvement Accounts:
Affordable, Convenient, Protected:
With a Fixed Rate Term Advantage Loan from Black Horse Finance, you can finance your home improvements by spreading the cost over the period that suits you best.
- Unsecured loans from £1,000 - £15,000
- Competitive interest rate
- Repayment periods from 12 - 120 months
- Convenient direct debit payments
- No minimum deposit (maximum 50%)
- Your interest rate and repayments will not change whatever happens to interest rates generally
Real Benefits For You:
Take a look at the benefits of a Fixed Rate Fixed Term Advantage Loan to see why it's an excellent alternative way of paying for your home improvements.
- Unlike a loan you arrange directly with a Bank or Building Society, you will receive extra credit protection guaranteed by the 1974 Consumer Credit Act.
- We'll give a quick decision, wherever possible wihtin two hours of receipt of your application.
- You won't have to worry about hidden costs, surveys or legal fees - there aren't any!
- There's no need to dip into your savings - they will still be available for a rainy day and continue to earn interest.
Added Reassurance:
We want you to enjoy your home improvements. A Fixed Rate Fixed Term Advantage Loan offers a safe and simple way of protecting your purchase.
- In the unlikely event that your supplier is unable to correct any defect or fault covered by his guarantee, or has misrepresented the product, Black Horse Finance is legally bound to put it right.
- If your deposit becomes refundable, then we have an equal obligation with your supplier.
- Black Horse Finance are equally responsible with your supplier for the quality of your home improvement product.
A Name You Know and Trust:
Black Horse Finance is a subsidiary of Lloyds TSB Group and has helped thousands of people to add extra comfort, quality and value to their homes. We have your interests in mind and strive to display the expertise, effeciency and reliability that you expect, in all our dealings.
We offer a level of experience in the home improvement market few companies can match. We will do our best to ensure that your supplier also provides clear, relevant and honest information and advice.
Making Sure Your Payments Are Protected:
For a little extra each month, The Black Horse Finance optional Payment Protector will give you and your family the comfort of knowing that your repayments can still be made, subject to the terms and conditions of the policy, even if your circumstances suddenly take a turn for the worse.
- Repayments made if you become ill, have an accident, lose your job or die.
- For all loans covered under the plan:
- Protection up to a maximum of £40,000 for life cover.
- Repayments up to a maximum of £1,250 per month for accident and sickness and unemployment cover.
- Up to 36 monthly benefits in total for all accident and sickness and unemployment claims made during the course of your loan, subject to the loan term.
- Unemployment cover for up to the day before 5 years from the start of your loan, depending on the loan term. Life and accident and sickness cover for up to the day before 10 years from the start of your loan, depending on the loan term.
- An extra £3,000 in the event of accidental death.
www.blackhorse.co.uk
FREE ONLINE PRICE QUOTE
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Payment Protector Explained:
To make sure as many people as possible can enjoy the benefits of the optional Payment Protector, the restrictions have been kept to a minimum - with qualifying conditions you can understand and an application procedure that's as simple and straightforward as possible.
- Protection is available to the first-named applicant if they are
- aged over 18 at the commencement date of the agreement and will be under 65 at the scheduled termination date.
- actively at work in full time employment (for at least 16 hours a week) or self-employed and not aware of any impending unemployment.
- No medical examinations or tedious questionnaires.
- Cover for those with pre-existing medical conditions, but no benefits are payable for claims made as a result of a pre-existing medical condition. A pre-existing medical condition is: any sickness, disease, condition or injury which you knew about, or ought to have known about at the start of cover, or for which you received advice, treatment or counselling from any doctor during the 12 months before the start of cover.
Help - When The Need Arises:
As the Insured Person, your benefit entitlements are in addition to any you may receive from other insurance policies with other insurers.
Life Cover:
All your remaining repayments, less any arrears or any interest on the arrears, will be paid if you die during the period of cover. The maximum benefit payable is £40,000 for all agreements.
Accidental Death:
An extra £3,000 will be paid to your estate if your death is accidental.
Accident and Sickness:
Your monthly payment will be made on your behalf if you are working, or where applicable on statutory maternity leave, and you are unable to work due to sickness or an accident for 14 consecutive days. A further monthly payment will be made for every 30 consecutive days that you remain unfit for work - up to a maximum of 36 monthly payments in total or until the end of cover, if that is sooner.
Unemployment:
Benefits are NOT payable if:
- You were not infull time employment or self-employed for 6 consecutive months prior to your unemployment.
- Your business temporarily stops trading or you stop your business trading voluntarily.
- The claim is during the deferred period in your agreement.
- Unemployment is as a result of war, riot, civil commotion or radiation.
- Unemployment arises from alcohol or drugs not taken under the advice or supervision of a Doctor.
- Unemployment results directly or indirectly from your misconduct or if the unemployment is voluntary.
- Unemployment is a regular, recurrent or seasonal feature of your occupation.
- Your normal job or self-employment isd outside the UK for more than 12 weeks in the 52 weeks before your unemployment.
- You knew of impending unemployment at the start of cover.
- You were employed on a fixed term contract which ended unless it is established practice to employ staff on fixed term contracts and renew them on the same terms or you have had three
consecutive fixed term contracts with the same employer and completed 24 months consecutive employment with that employer.
ONLINE ENQUIRY FORM
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