Finance

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Granville Windows are committed to providing the best and most user friendly finance on the market and are pleased to offer full finance facilities through GE Money, a name synonymous with quality.

The new name for First National is GE Money. They are part of a group that has been a major lender in the home improvement market for over 25 years. Not only are they an organisation you can trust, they’ve had significant experience helping thousands of customers with home improvement purchases. No wonder they’re renowned for excellent plans and quality service.
In the UK, GE Money is a leading provider of financial products to consumers, intermediaries, retailers and auto dealers. Offering a wide range of products such as private label credit cards, personal loans, bank cards, auto loans and leases, mortgages, secured loans, home improvement loans, holiday ownership loans, insurance, corporate travel and purchasing cards. They have over 10 million customers in the UK and by the end of 2005 it is forecast that 118 million customers in 47 countries around the world will have purchased one or more products under the GE Money brand. GE Money is a division of the www.ge.com voted 'the most respected company in the world 2005' by the Financial Times/PwC rankings. It's a seven-time winner.
 

Types of loan
Interest-bearing variable accounts
All GE Money’s variable interest accounts operate on a reducing balance basis. A minimum payment is agreed with our customers, who can then manage the account as they wish. Provided you meet the minimum monthly payments, you can pay additional amounts to shorten the life of your account and reduce the total amount you’d pay otherwise.
Interest-free accounts
A range of interest-free (0% APR) accounts are available that offer you a shorter account, between 6 and 36 months. During this time, you repay only the amount borrowed.
 

Features at a glance
Unsecured loans
· You can enjoy their purchase immediately
· No need to save
· Product bought at today’s price
· Security collateral not required
Flexible payments
· Ease of budgeting – with loan term of up to 15 years and a set minimum monthly payment, you can afford a larger loan and higher-value purchase
Interest is only charged on the outstanding balance
· Puts you in charge of how much they pay
· You can pay additional amounts to reduce the total amount of interest otherwise payable
Connected lender protection
Under Section 75 of the Consumer Credit Act, the agreement in force is a Debtor–Creditor–Supplier one. This means that GE Money honours guarantees provided by the supplier for as long as the loan lasts. Any advance payment made to the supplier is also protected. This additional protection is not available through bank or building society loans.
Quick and convenient
· Can be handled in the your own home
· Normally a same-day decision
· No need for you to take time off work
Opens a new credit line
Gives you the opportunity to keep savings and other lines of credit available for other purposes, e.g. emergencies.
Easy repayment method
· All loans can be repaid by direct debit
· Additional payment methods are available
Minimum monthly repayments
When repayments are set over a maximum term, the minimum monthly repayments will be lower than they would be if the term was shorter. However, your overall cost will increase.
Additional repayment facility
It is possible for you to make extra repayments. The result is both a shorter term and a reduction in the amount of interest that would otherwise be paid.
 

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