We are able to offer finance via two methods:

- Cheque Spread
- Interest Free and Low Cost Credit for orders over £300.00

CHEQUE SPREAD
Just send us a cover note with your name, address, contact number, a list of the items you require and 5 x post-dated cheques starting one calendar month from the date of your order. 
A valid Visa or MasterCard Credit card - Debit cards are not acceptable - is required to take advantage of our cheque spread scheme, and the deposit payment will be deducted from this card. Orders will not be processed without a faxed or scanned copy of both the front and back of the credit card. 
In the event of any cheques being returned as unpaid by your bank,  we reserve the right to charge any outstanding payments to the credit card used for the initial deposit.
The title to the goods will remain with Fosters of Birmingham until the full balance of outstanding payments is settled.
The maximum 'spread' value is £250.00, i.e. 5 x cheques at £50.00. Any orders exceeding this value must use a higher deposit to ensure that the maximum balance remaining does not exceed £250.00, or we will be unable to accept your order.

REPRESENTATIVE EXAMPLE
Nash Indulgence Wideboy Sleep System - £299.99
Delivery - £8.00
Deposit (Payable by Credit Card Only) - £57.99
5 x Cheques @ - £50.00
Charge for Credit - £0.00
Total Amount Payable - £307.99
Representative APR 0%

INTEREST FREE AND LOW COST FINANCE - Minimum Balance £300.00
We can offer, through a selection of finance providers a straightforward way to spread the cost of your purchase. The only criteria for application are a permanent UK address, a valid debit or credit card and a bank account that accepts direct debits. We can provide 6, 9, 12 or 18 month terms interest free, or 24 and 36 month terms for an incredibly low 9.9% APR, which is less than most credit cards! All you need to pay up front is a 10% deposit. The following information is required to apply:
- Current address and any previous within the last 3 years.
- Current employment details, employers address, post code and telephone number.
- Bank sort code and account number.
- A valid debit or credit card registered in the applicants name and at their current home address.

REPRESENTATIVE EXAMPLE - INTEREST FREE
Waverunner Mk3 Power Bait Boat - £649.99
Delivery - £8.00
Total Balance - £657.99
Deposit - £69.99
12 x Monthly Direct Debits of - £49.00
Charge for Credit - £0.00
Total Amount Payable - £657.99
Representative APR 0%

REPRESENTATIVE EXAMPLE - LOW COST FINANCE
Daiwa Tournament Pro X 16m Package - £2399.00
Delivery - £8.00
Total Balance - £2407.00
Deposit - £240.70
36 x Monthly Direct Debits of - £69.38
Charge for Credit - £331.39
Total Amount Payable - £2738.38
Representative APR 9.9%


If you wish to apply for credit, please add products to your basket as normal. At the checkout, select 'Cheque' as payment method and write into the Order Notes Box "Please send me the form via email to apply for credit over x months" where 'x' is the term you require. Then state the amount of money you would like to pay upfront as a deposit - the minimum is 10% of the total order value. Once the order is received we will then email you a link through to an on line application form (during business hours only) which will take around five minutes to complete.  

In certain circumstances, if the application is accepted, you will be shown a virtual copy of your documentation. It is now possible for you to utilise a procedure known as e-signature. Simply click the signature box and this acts as authorisation for us to despatch your goods. We will then contact you to take your deposit and the goods will then be despatched, subject to being in stock.