Make Your Project More Affordable

Spread the cost of your project into manageable monthly instalments and get started sooner.

Our payment plans

We understand that budget plays a big role when deciding on your projects. That’s why we offer simple, flexible payment plans through Kanda.

Whether you’re looking at boiler swaps, solar panels, loft conversions or landscaping, you can spread the cost of your project in manageable monthly installments and get the work started sooner.

How does it work?

Get your finance application link — Once we’ve discussed the cost of your job, we’ll send you a finance application link from Kanda.
Apply online — The application is fully digital and only takes a few minutes.
Quick decision — Most customers receive an instant decision; some cases may need extra checks (Kanda’s lender will contact you within 1 business day if more information is needed).
Start — After approval, we’ll schedule your job to start.
Finish and pay — Kanda will ask you to sign off to confirm the job is 100% completed. Only after that, your payments will start. You’ll pay back the lender, and Kanda will pay us directly.

Applying for finance doesn’t guarantee approval. Every lender on Kanda’s panel uses its own confidential scoring model that blends information you provide with data from credit-reference agencies. Even if you meet the basic requirements (age, residency, income, property ownership, etc.), a lender may still decline.
Kanda is a finance broker, independent of us and the lenders they partner with, and has no influence over the approval decision.
Yes. You’re entitled to request a manual review of the lender’s decision. For data-protection reasons, only you (the applicant) can do this — neither the retailer nor Kanda can act on your behalf.
1. Understand who the lender was on your application and locate their contact details
2. Ask for a manual review and be ready to provide additional documents if requested (e.g. payslips, bank statements).
Don’t know which lender handled your application? Get in touch with Kanda support team:
Email: help@kanda.co.uk or Call: 0330 818 7500 and we’ll tell you which lender to contact.
Yes. A lender will run a credit check when you submit your application. This only affects your credit score if the job is completed and repayments begin (they call this a hard credit check). If you cancel or are declined, only a soft credit search is recorded and the outcome is not shown on your credit file.
Payments will normally start 30 days after the job is completed and you sign off on it. You will be able to speak to the lender and choose your preferred first-payment date during or after the application.
No. Finance applications are individual, make sure the applicant’s with the best credit history applies. Some lenders may also evaluate the household income, but joint applications are not currently supported.
Once approved, your agreement remains valid for 6 months. The project needs to be completed and signed off within that timeline. If both parties agree to cancel the agreement (e.g: no work has begun, and you changed your mind about it, or decided to pay cash instead of taking finance) please contact Kanda’s customer support right away. They will help arrange any necessary changes with the lender. Finance agreements can also be cancelled within 14 days from the approval by contacting Kanda or the lender.
Yes. You can overpay or settle your loan in full at any time. When the payments are settled early, the only additional fee you pay is up to 58 days’ interest on the outstanding balance (this is a standard rule under UK consumer-credit law).
Example:
If your monthly payment is £100 and roughly £10 of that is interest, settling early would cost about two months of interest (≈ £20). All future interest is waived. To do this, contact the lender for an early-settlement quote and payment instructions.
Kanda is a credit broker set up by ex-tradespeople and entrepreneurs, on a mission to help homeowners access finance without the burden of lengthy and difficult finance applications. Find out more about them here.
- 📧 help@kanda.co.uk
- 📞 0330 818 7500
Kanda’s support team will be happy to guide you.

Frequently Asked Questions

Will my finance application be accepted? What are the basic eligibility requirements?

Applying for finance doesn’t guarantee approval. Lenders use a mix of positive and negative indicators to evaluate each application individually. However, here are some basic requirements. You must:

Be 18 years or older and below the lender’s upper-age limit at the end of the loan term (limits vary by lender, usually 75–85 years). Example: if you are 82, you may choose a 1- or 2-year term, but not a 5-year term.
Be a UK resident for at least 3 years
Own (fully or jointly) the property if the work is a home-improvement project (e.g. boiler, solar, loft conversion, etc.). Tenants should ask the landlord to apply.
Have a good credit history
Meet the lender’s minimum income (typically ≥ £1,000 p/m). Pension income counts; most state benefits (incl. Universal Credit) do not.

London | West Yorkshire | Essex

Company No. 11707377

Make Your Project More Affordable

Spread the cost of your project into manageable monthly instalments and get started sooner.

Our payment plans

How does it work?

My application was declined. Why?

Can I appeal if I get declined?

Is there a credit check?

When will the first payment be taken?

Can I make a joint application with my partner?

Can I cancel my order? Or can I change my mind and pay cash instead?

Can I make extra or early repayments? Are there fees for settling early?

Who is Kanda?

Need help with your application?

Will my finance application be accepted? What are the basic eligibility requirements?