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The Interest Bearing Loan
is available to make the purchase of an AGS
home improvement an affordable reality, by
spreading the cost over a maximum of 120 months
(180 months for conservatories).
It is a funding facility
that is both flexible and easy to arrange,
and it means that you can add the style and
comfort of an AGS home improvement - right
now.
We recognise that any investment
in your home needs to be carefully planned,
and the AGS package has been designed to give
you complete peace of mind.
It therefore includes the
option of a repayment insurance that can protect
you against being unable to make repayments
due to accident, sickness or involuntary unemployment.
This loan facility is provided
through a worldwide finance company. So you
can be sure that your account is in safe,
professional hands.
Maximum
Repayments
The AGS package enables you to spread the
cost of your home improvement by making regular
repayments over a maximum of 120 months and
180 months for conservatories.
Flexibility
and Control
It also gives you the flexibility of making
additional repayments at your own convenience
if you choose to pay off your loan sooner.
This gives you control over the amount of
interest you would pay, because, just like
a credit card, interest only accrues on your
outstanding balance. It all adds up to a truly
flexible loan account.
Optional
Protected Payments Plan
Available with every AGS package, this feature
can protect you against being unable to make
your monthly repayments due to causes such
as unemployment or illness.
Added
Peace of Mind
AGS customers who qualify, will also receive
an element of Life Cover. The main benefits
and exclusions of the Protected Payments Plan,
and details of the Life cover are provided
with the Policy Summary.
Low
Deposit
Your choosing the AGS package means that you
can start the process of having your AGS home
improvements from just £49† deposit.
Consumer
Credit Act Protection
As the account is taken out in conjunction
with your AGS purchase it means that you and
your deposit are fully protected by the Consumer
Credit Act 1974.
AGS
Options Account for Conservatories
Buying a conservatory is a major home improvement
and you may require finance. AGS Options is
an account specially set up for conservatory
buyers, which offers a choice of three ways
to pay and allows you to spread your repayments
over either 120 or 180 months.
†Typical Example:
Home Improvement loan of £3,000 plus
single cover optional Protected Payments Plan
insurance of £471.72 payable by 120
monthly repayments of £64.98. Typical
21.7% APR variable. Total amount repayable
£7,872.60 including a £75.00 Acceptance
Fee payable with the first repayment. All
loans restricted to persons aged 18 and over
and subject to status. A deposit may be required.
Current rate as at 04/10/2005. Future rates
may vary. The optional Protected Payments
Plan is limited to 60 months cover and is
renewable after that time. The figures shown
are only examples. The actual premium will
depend on your personal circumstances. Written
quotations are available from GE Money Consumer
Lending Limited, Registered Office 53-61 College
Road, Harrow, Middlesex, HA1 1FB
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