How To Offer Finance For Double Glazing

What finance really means at the point of sale

Offering finance for double glazing means giving customers a regulated way to spread the cost of windows and doors rather than paying everything upfront. For many homeowners, it turns a sizeable home-improvement decision into a monthly budgeting choice, with clear repayment figures and a defined term. For your business, it is less about “discounting” and more about removing friction: customers can choose the specification they want, while you protect margin and keep your pipeline moving. Done properly, finance also adds structure and professionalism to your sales process, because affordability is discussed in transparent, comparable terms.

Understanding APR is not just about percentages - it is about what the customer will actually repay, month by month.

Why homeowners reach for finance on glazing projects

Double glazing is a classic “high-value, high-urgency” purchase. Customers may be reacting to heat loss, condensation, security concerns, or energy bills, but they still want control over cash flow. In the current UK market, customers will often compare installer finance against mainstream borrowing, where home-improvement loans commonly sit in a mid-single to low-teens APR range depending on term and amount. They are also increasingly aware of targeted incentives: Scotland has an interest-free loan route for eligible homeowners upgrading glazing, and some banks offer cashback-style rewards for qualifying energy-efficient improvements. Against that backdrop, “pay monthly” becomes a normal expectation, not a niche request.

Where finance lifts conversion and order value

Finance tends to increase sales because it reframes the decision from total price to affordability. Interest-free credit over 36 months is widely promoted across the sector and can make premium options feel within reach, often alongside a deposit requirement, while some installers advertise £0 deposit variants subject to status. For larger packages, longer terms such as 10 years at a representative APR around 9.9% are also seen in the market, which can bring monthly payments down even when the total repayable rises. The commercial effect is straightforward: fewer stalled quotes, more upgrades (colour, glazing spec, doors), and a higher proportion of customers able to proceed without waiting to “save up”.

Standout line: The best finance offer is the one the customer understands and can comfortably maintain.

Typical transaction values (and how finance is commonly used)

What you can put on finance

1. uPVC, aluminium, and timber replacement windows

2. Front and back doors, including composite doors

3. Patio, French, and bifold doors

4. Triple glazing upgrades and enhanced acoustic glass

5. Bay window replacements and structural adaptations

6. Roofline products where bundled with glazing (fascias, soffits, guttering)

7. Installation, survey, and disposal costs (where your lender allows)

The compliance reality you must plan for

In the UK, offering consumer credit is regulated, and marketing must be clear, fair, and not misleading. If you are introducing customers to a lender via a broker, you still need disciplined processes around permissions, financial promotions, and how you describe rates and “interest-free” offers. Representative examples must be accurate, and customers should be able to see key information such as term, deposit, APR (where applicable), and total amount repayable. Staff training and documented scripts help keep conversations compliant and consistent.

Introducer models and broker models in plain English

Most double glazing installers do not become lenders. Instead, they act as an introducer: you generate the lead, agree the scope of work, and then introduce the customer to a broker or finance provider for the credit application. The broker and lender handle eligibility, underwriting, regulated documentation, and the credit agreement itself, often through an online application journey. You focus on what you do best: surveying, specifying, and installing. This model is common because it reduces operational burden while giving customers a credible, regulated route to pay monthly, with a menu that can include interest-free periods, deposits, and longer-term APR options depending on the lender and customer profile.

A clear customer journey you can build into your sales process

1. Quote and options: Present the cash price and, alongside it, indicative monthly payments for a small set of terms.

2. Affordability conversation: Confirm the customer’s preferred deposit (if any), term, and comfort level with monthly payments.

3. Pre-application checks: Collect the essentials (identity and address details) and explain that credit is subject to status and affordability.

4. Application submitted: The customer completes the regulated application, typically online, with instant or fast decisions where possible.

5. Approval and agreement: Customer reviews the credit agreement, including APR (if applicable), total repayable, and any promotional conditions.

6. Survey and final specification: Lock down measurements, product choices, and installation dates.

7. Installation and completion: Work is completed; any required sign-off happens.

8. Payments begin: Repayments start as per the agreement (often shortly after installation), with clear customer support routes.

Getting set up with Kandoo

Kandoo is a UK-based retail finance broker, so our role is to help you offer a finance option that fits how customers buy double glazing, while keeping the process structured and compliant. We work with regulated lenders and help you present finance transparently so customers can compare terms and understand total cost, not just headline monthly figures. Once set up, you can use finance as part of your everyday quoting: a simple “good, better, best” presentation with cash price, deposit (where relevant), term, and repayment figures. If you want to run seasonal promotions, we can help you align the message with what customers already see in the market, from short-term 0% credit to longer-term fixed APR options for bigger projects.

Next steps you can take this week:

• Review your last 20 quotes and identify how many stalled on “budget”.

• Decide which terms you want to lead with (for example, a 36-month 0% option and a longer-term APR option).

• Update your website and quote templates to show total repayable and representative examples clearly.

FAQs

What finance options do customers expect for double glazing?

Most expect a choice: an interest-free instalment plan (often over up to 36 months) and a longer-term option for larger projects where a fixed APR is acceptable in return for lower monthly payments.

Do I need to be FCA authorised to offer finance?

It depends on your role and the exact model. Many installers operate as introducers under an appropriate arrangement, with the broker and lender handling regulated activity. You must still ensure promotions and customer communications are compliant.

Can customers get help beyond installer finance?

Yes. Some customers may qualify for regional or bank-led incentives. For example, eligible homeowners in Scotland can access an interest-free loan for glazing upgrades through a national energy-efficiency scheme, and some mortgage customers can claim a cashback-style reward towards qualifying improvements.

Is 0% finance always better than a low APR?

Not automatically. 0% can be excellent if the term and deposit are workable. A low APR over a longer period may suit customers who prioritise the monthly figure, but they should understand the total repayable.

What deposit levels are common?

Many plans are offered with deposits around 10% to 25%, although some installers promote £0 deposit options subject to status and maximum loan limits. Your available range depends on the lender and the customer profile.

How do I explain APR without losing the customer?

Keep it practical: show the cash price, deposit, term, monthly repayment, and total repayable. Then explain that APR is the cost of borrowing expressed annually, which helps customers compare one offer to another.

Will offering finance slow down my sales process?

In practice, it often speeds decisions up. A well-designed journey lets the customer choose affordability early, complete an application quickly, and proceed to survey and installation with fewer “let us think about it” delays.

Can I advertise finance on my website and vans?

Yes, but it must be clear, fair, and not misleading. If you reference rates or promotions, you typically need the right representative information and example figures. A broker-led set-up helps you get this right.

How quickly can I start offering finance?

Timescales vary based on onboarding, documentation, and training, but many installers can be set up quickly once business checks and compliance steps are completed.