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Boiler Advice

Boilers on Finance, Buy now and Pay Monthly Boilers

Boilers on Finance, Buy now and Pay Monthly Boilers

Pay monthly boilers on finance from Easy Boilers

Buy now pay later, interest-free & pay monthly are all now options with boilers on finance as we all know new boilers aren’t cheap, and in today’s world of buy now pay later, we can help you get the boiler you want at the price you can afford.

Comparing boiler finance rates is always the best way to ensure you get a good deal on a gas boiler, but also ensure that you get quotes from separate gas boiler installation companies as they all offer different %APR interest rates.

If you can’t afford a new boiler upfront, then there are plenty of options for you to be able to get a new boiler installed in your home tomorrow and spread the cost of a new boiler over 2, 5, or even ten years, so, let’s take a look at what boiler financing offers there out there for you to take advantage of.

Gas boilers on finance – Spreading the cost of a boiler

If you are looking for a boiler on finance then it works just like any other type of finance where you need to apply for a loan or credit from a lender and they decide if you are eligible or not depending on your credit rating.

Not everyone will get accepted for boiler finance plans online.

If you have been declined finance before, you may still be able to get a pay monthly boiler as some of the lenders aren’t as strict on who they choose. If so, we can get you set up and arrange your boiler installation for a date that suits you.

Get new boiler quotes online>

New boiler finance – what makes it a good option?

Boilers on finance are very common and one of the best ways to pay for a boiler if you don’t have the cash upfront and not many people can afford a boiler outright.

The best thing about boilers on finance is that it is always there as an option if you need it.

You don’t need to save up and skint yourself if you don’t want to for a new boiler.

A pay monthly boiler finance is appropriately regulated.

Loans are from big lenders such as banks or finance companies whereas the boiler company just acts as a broker, so any missed payments will be dealt with by the bank or lender.

Boiler plans and your repayment options

Choose Your Boilercombi boilersystem boilerregular boiler
Choose your installation dateNext dayA day of your choice
Choose boiler finance0% interest-free6.9% Apr9.9% Apr
Choose repayment termTwo yearsFive yearsTen years
Get your boiler installedregister your warranty
Start making repayments

Boilers available on finance to spread the cost

If you are looking to pay monthly for the cost of boiler installation then here are some of the fantastic deals available right now.

For example, you can pay monthly for combi boilers, system boilers, and regular boilers.

You can pretty much get any boiler you choose on finance, but here are some of the best deals, and you can get a decision online within minutes.

If you need a full-back boiler replacement we can also help as these costs are generally really high, and finance can make boilers more affordable.

Boiler finance examples

Worcester Bosch 4000 25kw combi boiler on finance

  • New boiler installation
  • Ten years warranty
  • Loan amount- £1,795
  • £0 Deposit
  • Agreement term -2 Years
  • APR – 0%
  • Monthly Repayments – £74.79
  • Interest paid – £0

Worcester Bosch 2000 25kw combi boiler on finance

  • New boiler installation
  • Eight years warranty
  • Loan amount- £1,695
  • £500 Deposit
  • Agreement term -5 Years
  • APR – 9.9%
  • Monthly Repayment – £27.19
  • Interest paid – £336.40

Viessmann Vitodens 050-w 29kw combi boiler on finance

  • New boiler installation
  • 12 years warranty
  • Loan amount- £1,825
  • £100 Deposit
  • Agreement term -10 Years
  • APR – 9.9%
  • Monthly Repayments – £22.30
  • Interest paid – £951

Pay for a new boiler monthly deals with instant approval

All these above boiler finance examples are for a direct like-for-like combi swap.

If you want to change your boiler type, move your boiler or need any extra work when the boiler installation takes place then these boiler costs will be higher, but you can still pay monthly.

Can you get a new boiler with no credit checks

No credit check pay monthly boilers are hard to find these days, and fortunately, some companies can lend you a boiler to rent, but usually, this is quite expensive.

This isn’t boiler finance either because you basically don’t own your boiler, but you do pay for the boiler in your home. If it means you can get a boiler with no credit check though it may be worth the while.

Some boiler companies offer lenders that don’t require stringent credit checks, so you may still get accepted if you have been refused finance before, whereas if you have been on an IVA or similar, you may really struggle.

If you have previously been declined finance then we do have some lenders that do a soft credit check rather than a full one, although the interest rate will be higher if you have poor credit.

Best finance deals for homes in the UK

Baxi 400Combi Boiler24 kW
Ideal LogicCombi Boiler24 kW
Ideal VogueCombi Boiler26 kW
Viessmann Vitodens 050-wCombi Boiler30 kW
Viessmann Vitodens 100-wCombi Boiler35 kW
Worcester 2000Combi Boiler25 kW
Worcester 4000Combi Boiler30 kW
Worcester 8000Combi Boiler35 kW

Monthly finance boiler options – Choose your repayment term

With many boiler finance options to choose from, there are a few fantastic ways to be able to get the new boiler you need today and pay for it over a set period of time.

How much you pay back per month will depend on numerous things, such as the price of the boiler, the term agreement, and the %APR.

Whether you can get a new boiler on finance will also be subject to a credit check on your credit file.

Once you have found your condensing boiler, here are some ways to pay.

Boilers on finance no credit check

Getting a boiler on finance with no credit check means that people can get financing for a boiler purchase without the lender conducting a credit check as part of the application process. Typically, traditional lenders and financial institutions assess an individual’s credit history and credit score to determine their creditworthiness and ability to repay the loan.

However, with a no credit check financing option, lenders may offer financing based on other factors such as income, employment status, or alternative forms of financial verification.

This option may be appealing to individuals who have concerns about their credit history or those who prefer not to undergo a credit check. However, it’s important to carefully review the terms and conditions of the financing agreement, as no credit check financing options may come with higher interest rates or stricter repayment terms.

0% Interest-free finance boiler deals, so you don’t pay a penny extra

0% interest-free boiler finance is a hugely popular pay-monthly boiler scheme, and just like it says on the tin, it means that you don’t pay any interest on your boiler, therefore, saving you money in the long term.

If you don’t want to pay a penny more than you have to for your boiler, but you can’t pay it all in one go, a 0% boiler finance payment plan is perfect for you and in addition.

Now you can even buy a boiler online and get an instant decision in minutes for interest-free finance.

High monthly payments, short repayment term at no extra cost

With 0% boiler finance, the repayments are usually higher as the finance agreement term is usually only over two years.

In some circumstances, some boiler companies offer three years of 0% interest-free finance too.

Lately, there have been companies such as Heatable offering 4 years interest-free too! wow!

Interest-free offer great value with monthly payments

Interest-free boilers on finance are usually limited to certain boilers, but different boiler companies have different new boiler finance deals available at any one time, so always shop around online.

No matter where you get your boiler from, you will not pay a penny more for your boiler.

Easy Boilers offers 0% interest on Worcester Bosch and Viessmann boilers all year round over the usual loan amount term of 2 years.

0% boiler finance deals over two years and three years

Boiler CostDepositLoan AmountLoan Agreement TermRepresentative APRMonthly costTotal repayableInterest Paid
£1,900£0£1,90024 months0%£79.16£1,900£0
£1,900£500£1,40024 months0%£58.33£1,900£0
£1,900£0£1,90036 months0%£52.77£1,900£0
£1,900£250£1,65036 months0%£45.83£1,900£0

£0 deposit boilers with low monthly payments

Not everyone can afford to make high payments every month, so there are options to lower-pay monthly plans by spreading the cost of boilers over a more extended period.

These pay monthly boiler schemes involve a finance agreement with a longer-term but low %APR usually between 7%A PR and 9% APR.

This means you do pay a little bit more in the long term, but your monthly payment amount will be lower.

Low APR finance for lower repayments

With these low APR payment plans, you can expect the finance agreement to be over five years, seven years or even ten years!

If you spread the cost of a boiler over ten years you can look at paying as little as £20 per month with low-rate finance.

Depending on the upfront cost of the new boiler, you would pay at least £300 extra in interest.

£0 deposit pay monthly schemes examples over five years and ten years

Boiler CostDepositLoan AmountLoan Agreement TermRepresentative APRMonthly costTotal repayableInterest Paid
£1,900£0£1,90060 months9.9%£39.88£2,3295£492.95
£1,900£0£1,900120 months9.9%£24.56£2947.43£1047.43

Low deposit & low monthly repayment boiler plans

If you have a bit of spare cash and don’t want to feel like you have one of these boiler payment plans hanging over you for years to come, you can pay a deposit of up to 50% towards any boilers on finance.

This would drastically reduce the repayments and the loan agreement term.

If you have a deposit it is always recommended that you put one down to keep costs down just in case anything unexpected happens in the future.

How to get a new boiler using finance online

To ensure that you have low monthly payments on your new boiler on finance, you will need a deposit; however, by paying a deposit of up to 50%, you can spread the cost of the rest of the outstanding balance.

So, instead of lending £2,000 from the boiler installation company, you could lend just £1000 and only spread the cost of this amount, and if you buy your boiler online you can choose this option when completing your finance application form.

Boiler with a deposit and low repayments examples

Boiler CostDepositLoan AmountLoan Agreement TermRepresentative APRMonthly costTotal repayableInterest Paid
£1,900£500£1,40060 months9.9%£29.39£2,263.22£363.22
£1,900£500£1,400120 months9.9%£18.10£2671.79£771.79

Am I eligible for a boiler on finance?

To ensure that you are able to make manageable monthly payments, you will have to meet at least the following criteria.

Still, seemingly these are just a minimum and do not cover the required credit check, which will also take place on your credit file.

– You must be at least 18 years old and a permanent UK resident for at least three years.

– You are employed, or you receive a long-term disability allowance.

– Must be able to afford to make the agreed payments on time every month

By meeting these requirements you are one step closer to being able to replace your old boiler with a brand new boiler using boiler finance.

Applying for fixed-price boilers online

Applying for boiler finance online is the same as applying for any other finance such as car finance or mobile phones, and it’s worth remembering the boiler replacement company isn’t the lender.

They act as credit brokers.

The boiler finance company will have a bank or lender who can provide credit to people who qualify, protecting both you and the boiler installers.

You will be required to let the lender perform a credit check on your credit file.

As we have already mentioned, if you apply for boiler finance, you will have to have a credit check, and the depth of the credit check varies from lender to lender.

Some companies may perform a soft credit check, so you may get accepted if you haven’t been accepted for credit.

Still, luckily for some, some companies offer boiler rental for people with a bad credit history or who have no credit history at all.

How to get a boiler installed in your home

If you have found yourself in the unfortunate situation of needing a new boiler quickly but don’t have the funds to pay an installer, then boiler finance may be your only option.

Luckily there are companies online that can get you a boiler installed tomorrow and pay for it over the next couple of years.

Here’s what you need to do:

Find your new boiler online you want to pay monthly for

As we have said you can now find the perfect boiler online for your home with a choice of combi boilers, system boilers & regular boilers. Always compare boiler quotes when choosing a new boiler.

Simply by answering a few questions about your home you can choose your new boiler on finance in minutes.

Usually, some companies limit the boilers they have on interest-free boiler finance, but every other boiler will be available with a low %APR.

Choose your flexible finance plan to suit your

As things have come so far with online boiler finance applications you can use online finance calculator tools.

This is where you can tailor your finance to your needs.

You can enter different deposit amounts, choose different repayment terms and see the total payable amount.

This considers the boiler installation costs and any interest you may or may not be paying.

Pick the date you want to install your new boiler.

Once you have decided on your new combi boiler or whichever type of boiler you need, you can choose the date for your boiler replacement.

New combi boilers can be installed in under a day if you are just replacing like for like.

Simply use the online calendar to pick a date that is free and convenient for you.

Installing your boiler and making the repayments

When installing your new pay monthly boiler, everything will be exactly the same as if you had paid upfront.

A Gas Safe registered heating engineer will attend to your home on the agreed day and install your replacement boiler.

The boiler replacement will take between 1 day and three days, depending on the work required. If you have a back boiler removed and a new combi boiler replacement, expect this to take up to 3 days.

Pay nothing until the boiler replacement is complete.

If you have set up your finance agreement and the engineer has turned up and completed the job then the job will have to be signed off. You don’t have to pay a thing until you are happy and satisfied with the work completed.

Once you have signed off the work and you are happy, the finance agreement will start, and your first repayment will come out the month after or on a previously agreed date.

Boiler Controls & Smart Thermostats

Once you have chosen your boiler, you can also choose the controls you want to be able to control your heating.

You can choose from a standard wireless thermostat or even one of the new smart thermostats.

This can be added to your finance agreement too.

Credit broker checks and early repayment

All finance agreements are subject to a credit check before being accepted. This can affect your credit file every time you apply for credit.

Boilers and finance summary – Get yours now.

All agreements accepted are subject to status. You can get accepted online now in minutes.

If you can or decide to pay off your agreement in part or full, you would need to contact your lender and not the new boiler replacement company.

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