Vendigo provides a hassle-free solution that enables home improvement businesses to introduce finance in the home, over the phone, via email or in store. Merchants can create loan applications in under 60 seconds and customers can complete and get a response from a panel of lenders in under 3 minutes.

The funds are sent to your bank account within 24 hours of the customer signing the digital customer satisfaction note.

We cover the breadth of the Home Improvement industry. However, we don’t support today the financing of renewable energy goods/services.

Yes. You can take a deposit of between 10% and 50% of the total cost of the goods/services provided, but it is not a requirement.

We would like to work with all merchants, but our lenders have a few criteria. Your business needs to have 2 years worth of accounts and be on the way to hitting £500,000 in annual turnover. Still unsure if you meet the criteria? Take our Pre-Approval form and find out!

You do not have to be FCA Regulated to work with Vendigo. There are a number of options available to you. Please reach out to the Vendigo sales team to learn more.

We offer:

• Interest-Free Credit (0%)
• Buy Now Pay Later
• Interest Bearing Credit -Fixed APRs range from 4.9% to 19.9% and the loan term from 12 months to 120 months

Our minimum loan amount is £1,000 and capped at £50,000.

A basic principle to understand when thinking about the costs associated with offering finance to customers is the following, the lower the APR to the customer the higher the subsidy cost (fee paid by you, the merchant). Therefore it’s safe to assume that interest free-credit is the most expensive loan product but it’s also a very attractive offering to customers. Therefore it’s important to balance the effectiveness of the loan product and its cost.  Our sales team would be more than happy to discuss costs and return on investment further.

Sure do! We have designed a dashboard so you can easily add users, create new loans, keep track of existing loans and a lot of other cool features to help you grow your business!

You can create a loan in seconds and either send it to the customer or complete it with them on any device. It takes 60 seconds for the customer to apply for the loan and they get a response within minutes.
See how easy it is to create a loan and sent it to the customer and how to complete it with them.

• Finance is only useful if your customers get approved. Hence we have a panel of lenders to maximise your approval rate
• Get access to 0% Finance, Buy Now Pay Later and Interest Bearing Credit with industry low APR’s and long loan terms
• Seamless, paperless and hassle-free merchant and customer experience when using the platform as well as instant loan application response
• Personal training by our sales, compliance and marketing team to help you hit your goals
• Dedicated to the Home Improvement sector

Our advice would be first and foremost to contact the lender who provided you with the loan, however the Vendigo team is always on hand to help, where possible, if the lender is uncontactable. Below you can find the different contact information for each of active lenders.

Creation Consumer Finance

Email: customerenquiries@creation.co.uk
Phone: 0371 402 3419
Opening hours: Mon – Fri: 8:30am – 5pm, Sat: 8:30am – 5pm

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Shawbrook Bank

Email: hil.customerservice@cs.shawbrook.co.uk
Phone: 0345 650 6290
Opening hours: Mon-Thurs: 8am-8pm, Fri: 8am-6pm, Sat: 9am-2pm

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Lending Works

Email: cs@lendingworks.co.uk
Phone: 0207 096 8512
Opening hours: Mon-Fri: 8am-6pm

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Lendable

Email: contact@lendable.co.uk
Phone: 020 3322 1948
Opening Hours: Mon-Fri 8am-8pm Sat-Sun: 9am-6pm

If your lender is unable to sort your query please reach out to us directly on support@vendigo.com or call 0203 965 0996 and we will be happy to help!

On the rare occasion that you may be referred by one of our lenders you will receive an email from us containing the information/documentation that the lender requires to get you approved. 

In most cases the request will be for a proof of:

– ID (passport or driving license)

– Address (bank statement, utility bill, mortgage/rental contract)

– Income (tax-return, payslip)

However in certain scenarios the lender may request a certified copy of each of the aforementioned documents.

What does this mean?

It means that a qualified independent professional must validate the authenticity of a document. 

The list provided below is a list of professionals who are allowed to certify photo ID and address proof on behalf of our lenders. 

• accountant
• bank/building society official
• barrister
• chairman/director of limited company
• commissioner of oaths
• councilor, e.g. local or county
• dentist
• director/manager/personnel officer of a VAT-registered company
• fire service official
• Justice of the Peace
• local government officer
• member of Parliament
• merchant Navy officer
• nurse – RGN or RMN
• officer of the armed services
• optician
• paralegal – certified paralegal, qualified paralegal or associate member of the Institute of Paralegals
• person with honors, e.g. an OBE or MBE
• pharmacist
• police officer
• post Office official
• solicitor
• teacher, lecturer
• warrant Officers and Chief Petty Officers
• broker/supplier who is FCA registered

(If the applicant is a resident outside the United Kingdom then the documents will need to be certified by a solicitor)

The wording required on a photo ID document is as follows:

‘I certify that this is a true likeness of (title and full name) and I have seen the original document’.

The wording required on proof of address documents is as follows

‘I certify that this is a true copy of the original document’.

In both scenarios the lender require the person certifying the document to provide the below information so they can contact them if there is a need to do so at a later date.

Name, contact telephone number and employment details

It is essential that each document provided is certified as they will be unable to accept a covering letter for all documents.

The person certifying the documentation must not be a relative and must not be part of the application in the form of a joint account holder, director, shareholder or any other link that could create a conflict of interest.