Loan Calculator

At Future Health Biobank, we believe every parent should have the option to store their child’s stem cells, that’s why we are the only stem cell bank in the UK to offer flexible payment plans for up to 5 years.

We offer a choice of up to 24 months 0% interest free finance or 12,9% APR low rate finance over 24, 36, 48 or 60 months. You can apply online through the application, which takes around 5 minutes and you will receive an instant decision and, once approved, we’ll email you a link to sign your agreement. Should you have any questions or wish for us to send you the application, please do not hesitate to call us on 0115 967 7707 or click here to contact us.

Future Health Biobank Loan Calculator

 

Representative Example

All finance is subject to status and conditions apply. Representative example. Cash price of goods/amount of credit £1405.

If the interest free option is exercised and the loan is settled at the end of the 12 month option period; then 12 payments of £117.08 Total amount payable £1405; 0,0% APR representative

If the interest free option is not exercised and the loan runs for the full 60 month term; then 60 monthly payments of £31.40; Total amount repayable £1884.00; 12,9% APR representative

Frequently asked questions

You can apply for finance if you:

are at least 21 years old

are in full time employment (16 hours, or more, per week) or your partner is

or you are self-employed

or you are retired and receiving a private / company pension or in receipt of disability allowance)

or you are in receipt of regular and consistent income

will be under 80 years of age when the Finance agreement ends; and

are a permanent UK resident and have lived in the UK for at least 3 years

have a UK bank account capable of accepting Direct Debits.

have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies

can provide an email address so your documentation can be emailed to you.

All finance offers are ‘fixed term, fixed interest’. In other words the agreement always runs for the duration quoted in the title and the monthly repayments are fixed for the duration of the loan.

You can pay off the agreement, in full or in part, at any time.

At the start of the application process, the lender will email you pre-contract credit information explaining the key features and suitability of the credit agreement.

Your application will be assessed based on eligibility, credit history and affordability and we’ll will let you know the outcome in just a few seconds.

Once approved, we’ll email you a link to sign your agreement. In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the decision, normally within 15 minutes. If you’re not approved for finance it could be for a variety of reasons and the lender will email you further information.

Your first direct debit payment will be taken about a month after the agreement is complete. This will show on your statement as a payment to your lender.

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender. They will email you personally with their contact details.

Future Health Technologies Limited is authorised and regulated by the Financial Conduct Authority, (Firm Reference Number: 825772) and act as a credit intermediary.

Finance is provided through the Chrysalis Finance Limited and the lender is Shawbrook Bank.

Chrysalis Finance Limited act as a credit intermediary. They are registered in England and Wales (company number 06541664) and authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 631193). For more information please visit https://chrysalisfinance.co.uk.

Shawbrook Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204574). For more information please visit https://www.shawbrook.co.uk.

The payment plans cannot be used in conjunction with any other offer. Future Health Technologies Ltd reserves the right to withdraw or amend this at any time and without prior notice. All finance is subject to status and conditions apply.