Will I be eligible for finance?

Finance is available on orders of £250 or more placed on our website. This amount includes any additional services and delivery options selected, however, does not take into account any promotions, such as cashback.

Subject to status. terms and conditions apply.

You’ll be:

18 years or older A UK resident for 3 years or more/permanent UK resident Able to make regular repayments by Direct Debit In regular employment (minimum of 16 hours per week), including self-employment or permanent residence with your spouse/partner who’s in regular employment. Have a debit card in your name registered to your address and have a bank or building society current account. Other conditions may apply, and we cannot guarantee that your application will be accepted.

Vulnerable Person Policy

At Ribble, we understand the importance for our customers to receive the appropriate information about the products and ways of purchase that we offer to enable them to make an informed decision. Entering a purchase using any payment method, including finance or Cycle-to-Work agreements with their respective terms and conditions, can involve a long-term financial commitment. So, it is considered crucial to Ribble that our customers fully understand their obligations when making a purchase. There are occasions when someone, due to their personal circumstances, may be considered vulnerable or especially susceptible. We, therefore, need to ensure that we consider the circumstances of each individual and, during our dealings with them, tailor our approach, removing any barriers that restrict the customer from accessing our products and achieving a satisfactory outcome.

Recognising vulnerability

We realise that a customer may be vulnerable or potentially vulnerable for various reasons, and these may include mental or physical infirmity, age, credulity, addiction, a recent change in circumstances, new to finance commitments or a particular financial product, learning difficulties, illiteracy and have challenges communicating. The reason for the vulnerability could be a permanent or temporary situation. Our colleagues are trained to ask our customers questions and to actively listen to responses to recognise patterns which could indicate if a customer is potentially vulnerable.

What happens if a customer is identified as being vulnerable?

Being identified as being vulnerable does not preclude a customer from purchasing from Ribble. Due to the diversity of the factors that can contribute to the level of customer vulnerability, there cannot be one approach that can be universally adopted to fit each circumstance. However, examples of how we may ensure that the customer receives a fair outcome could be how we communicate, ask more questions, take further time to go over things and make suggestions for another family member to be a party to the conversations. If the customer is applying for a finance product, we may consider that before being referred to the lender or entering into a credit agreement, the customer would benefit from taking more time to consider whether they are able to understand the commitment they are entering into fully. As part of the application process, our finance partner may want to discuss further with a customer regarding their application. At this point and only with explicit consent from the customer or their appointed representative, and in accordance with the General Data Protection Regulation (GDPR), we may inform our partner of an identified vulnerability to ensure the correct support is available. The overriding principle in our dealings with vulnerable customers is that fair outcomes are achieved throughout their purchase, and any commitments are fully explained, with as much time for consideration as needed, along with support provided to access or purchase our product. As one of our core business values, ‘We Care. As One', we will always deal with our customers respectfully and with the utmost integrity.