54% of our customers choose to spread the cost of their new boiler using our 0% finance option. But is it actually a good deal? Let's look at the numbers honestly.
How 0% finance works
With 0% finance, you pay the full price of the boiler — but spread over 36 or 60 monthly instalments, with no interest charged. There's no deposit required, and the decision is usually instant.
A £1,299 combi boiler on 36-month finance = £36.08 per month. On 60 months = £21.65 per month.
The honest case for it
If you have £1,299 in savings, you're better off keeping it earning interest (even at modest rates) and paying for the boiler in instalments. Over 36 months, even a 2% savings rate earns you around £40 — meaning you're actually better off financially by using the finance.
If you don't have £1,299 readily available, 0% finance gives you access to a high-quality boiler immediately rather than waiting months to save up — potentially spending that time with an unreliable old boiler burning more gas.
Is there a catch?
The only potential downside: you're committed to the monthly payments. If your circumstances change, contact us early — we work with a reputable finance provider who handle these situations fairly.
0% finance isn't a gimmick. It's a genuinely useful tool for spreading the cost of what is, for most families, a significant but necessary purchase.