Offer finance for windows and doors

Why finance windows and doors is winning right now

Window and door upgrades sit in the sweet spot of home improvement: tangible comfort gains, visible kerb appeal and measurable energy savings. In the UK, replacements typically cost around £5,000, with many exterior refurbishments falling between £4,500 and £7,000. That sits neatly within the most popular renovation budget range of £5,001 to £10,000 among homeowners, making these projects highly accessible with the right payment options.

Renovation momentum is not slowing. The home improvement market is projected to grow from £11.3 billion in 2024 to £16.67 billion by 2033. Almost seven million homeowners plan works in the next two years with an average spend of around £14,000. Energy efficiency is a central theme: more than half of households have already made efficiency upgrades, with a similar number planning more. Modern double or triple glazing and insulated doors are often among the first steps.

How people pay is changing. Most renovators still use savings, yet credit card use has fallen as borrowing costs bite. Median project spend rose sharply last year, which leaves a gap for fair, transparent instalments that distribute costs without compromising cash flow. For retailers and installers, offering finance at checkout can convert consideration into commitment, reduce drop-off and widen access to premium specifications.

As a UK-based retail finance broker, Kandoo helps you deliver clear choices with plain-English costs and responsible underwriting. The result is a straightforward path from quote to installation, with finance designed to fit how British households actually budget.

Who benefits from offering finance

If you sell or install windows and doors, finance helps customers who value quality and energy performance but prefer predictable monthly payments. Homeowners planning mid-range works benefit from spreading a £5,000 to £10,000 ticket without draining savings. Landlords upgrading older stock can align repayments with rental income while improving EPC ratings. Households tackling phased projects can finance in stages, sequencing windows now and doors later. Even high equity homeowners may favour instalments to preserve emergency funds. The key is confidence: transparent costs, fair terms and swift decisions that keep projects moving.

Payment choices your customers understand

1. Interest-free instalments over short terms for smaller ticket items.

2. Classic interest-bearing fixed-term loans with clear monthly payments.

3. Buy now, pay later with a deferred start, then instalments.

4. Longer-term homeowner loans for larger, multi-item projects.

5. Green-focused products for energy efficiency improvements where available.

6. Supplier-subsidised APR promotions to boost conversion during campaigns.

7. Split deposit plus finance for balance at installation milestone.

Cost, impact, returns and risks at a glance

Who is likely to qualify

Lenders assess affordability, credit history and stability rather than simply the property type. A strong application typically includes UK residency, consistent income that comfortably covers repayments, a reasonable credit profile and verified identity and address. Homeowners often secure larger limits for full-house replacements, while tenants may access smaller unsecured loans for specific items such as a single door with landlord consent.

Kandoo works with a panel of UK lenders to match applicants to suitable products. That can mean an interest-free short term for a modest upgrade or a longer plan for comprehensive replacements. Retailers benefit from fast decisions, soft-search eligibility checks where available and clear disclosures. Customers see total repayable amounts and monthly costs upfront so there are no surprises. Responsible lending processes protect both the buyer and your brand.

From quote to completion in simple steps

1. Choose your windows and doors specification and price.

2. Select a finance option at checkout with clear terms.

3. Complete a quick application and soft credit check.

4. Get an instant decision and confirm affordability.

5. Pay any deposit and schedule the survey visit.

6. Sign the finance agreement digitally and finalise order.

7. Installation takes place; funds release per agreement.

8. Make monthly repayments with online account access.

The trade-offs, set out clearly

Avoid surprises before you sign

Clarify the full project scope, including frame materials, glazing ratings, hardware and finishing trims, so your quote matches what is installed. Ask for written warranties on glass units, frames and workmanship, and check what is covered for seals and ironmongery. Understand how finance is triggered, such as on delivery, after survey or at installation sign-off, and how staged releases work for multi-day jobs. Confirm total repayable, early repayment policy and any promotional APR conditions. Consider ventilation changes to reduce condensation risk, and verify building control requirements for safety glazing and fire doors where applicable. Finally, compare like-for-like specifications, not just headline price.

If finance is not the right fit

1. Save and schedule the project in phases across seasons.

2. Use a 0% purchase credit card and repay within the offer window.

3. Explore local authority grants for energy efficiency where available.

4. Consider secondary glazing as a lower-cost interim solution.

5. Negotiate supplier discounts for off-peak installation slots.

Questions homeowners often ask

Q: How much do replacement windows usually cost in the UK? A: A typical project averages around £5,000, with common ranges between £4,500 and £7,000 depending on property size and specification.

Q: Will new windows and doors reduce my energy bills? A: Yes, improved insulation cuts heat loss and draughts. Payback varies by property, usage and energy prices, but many households see tangible reductions.

Q: Is interest-free finance really free? A: If you meet the terms, you pay no interest. Ensure you understand any fees, deposit requirements and what happens if you miss a payment.

Q: Can I repay early without penalties? A: Many plans allow early settlement. Check your agreement for potential fees and request a settlement figure before paying off.

Q: What if my credit score is fair rather than excellent? A: Lenders assess affordability alongside credit history. A fair profile may still be eligible, possibly with different terms or limits.

Q: How fast can I get a decision? A: Most applications receive instant decisions, subject to further checks. Complex cases may require additional verification before approval.

How Kandoo helps you convert more customers

Kandoo connects your checkout to a panel of UK lenders, giving customers a choice of fair instalment plans sized to real-world budgets. We handle the journey from soft-search eligibility to digital signing, so you can focus on specifying and installing. Clear disclosures, quick decisions and responsible lending help you win more projects without compromising trust.

Important information

Finance is subject to status, affordability and lender criteria. Terms, APRs and offers can change. Eligibility checks may involve credit searches. Always review the total cost of borrowing and consider whether finance is right for your circumstances.