0% Interest Free | Funding Details

OK, so you're considering our industry unique Buy Now Pay Later option to pay for your septic tank system.  

The information below is provided for you to make an informed decision and choose the option that best suits you and your personal financial circumstances.  Please review all information.

| If you want to discuss your options, or want more information, you can call us free on 0800 4 00 22 and we'll be happy to answer your questions and take you through the application process.

It really is easy to apply and the application process can be completed in just a few minutes.  The qualifying criteria is presented below.  If you meet the criteria, we're good to go!

Buy Now. Pay Later. | More information

Here's all the information you need to make a decision about the best payment method for you to purchase your new septic tank systems
| You can either 1. Pay your deposit now and pay the balance in full on completion of your installation.  Or 2. Select our Buy Now Pay Later Interest Free Payment Plans option.  The choice is yours.

Cash Now or 0% Interest Deal | Which is best for you?

Paying with 0% Interest-Free Funding vs. Cash: Which is the Best Choice For You?

When making a significant purchase, like a new septic tank system, you have the option to pay in cash or choose our 0% interest-free funding plan over one year. Both choices have their advantages, but opting for the latter can offer several compelling benefits:

1. Preserve Cash Flow: By selecting the 0% interest-free funding option, you can preserve your cash reserves for emergencies, unexpected expenses, or other investments. This liquidity can be crucial for your financial security.

2. Spread Out Payments: With the one-year funding plan, you spread the cost of your purchase into manageable monthly instalments. This can ease the burden on your budget, making it more affordable in the short term.

3. Opportunity Cost: By keeping your cash available, you can potentially invest it elsewhere to earn a return. Depending on your investment options, this could generate additional income, which might outweigh the benefits of paying in cash upfront.

4. Financial Flexibility: Emergencies or unexpected expenses can arise at any time. By not depleting your cash reserves, you ensure you're better prepared to handle any unforeseen financial challenges.

5. No Interest Costs: The most apparent advantage of 0% interest-free funding is that you won't pay any interest charges over the course of the year.  It's a zero additional cost option for you.  

However, it's essential to approach funding responsibly.  Here are a few tips:

- Ensure you understand the terms and conditions of our funding agreement, including any potential penalties for late payments.

- Budget carefully to make sure you can comfortably manage the monthly payments.  

- Only choose funding if you can afford it within your current financial situation.  We don't want you to place yourself under any financial pressure or stress to make your monthly payments.  Only take this option if you are certain you can afford the monthly payments.

- Your septic tank system will remain our property until paid for in full.  Until your outstanding balance is paid in full no transfer of ownership, from us to you, will take place. After your final payment (month 12) we will issue a document confirming your balance is fully paid and transfer ownership to you.  

In summary, opting for 0% interest-free funding over one year can provide financial flexibility and preserve your cash flow. 

Just remember to make informed decisions and manage your finances wisely to reap these benefits without any drawbacks.

Above all, we want to know you can comfortably afford and manage the monthly payments within your normal monthly liabilities.  We have no desire for you to stretch yourself financially.  Please ensure you can afford the repayments before taking on any monthly payment commitments.

Qualifying Criteria | Do you qualify?

We've made applying for 12 Months Interest Free Funding as easy as possible.  The qualifying criteria is actually rather minimal.

1. You must have a Bulgarian I.D. / Residency Card.
2. The deeds of your property must have the same address details of your Bulgarian I.D. / Residency Card.
3. If your property is in joint names (or a company name) the funding agreement will include all persons named (or registered owners of the company) with joint and several liability for the payments.
4. The septic tank system can only be installed at the address shown on your Bulgarian I.D. / Residency Card and the address shown on the deeds to your property.

That's it.  That's all we need. It really is that easy and simple.

The Agreement | What you'll sign

All funding is provided by D4H (Services) Ltd.  We do not use any banks, credit companies or any other financial institution.  
We provide the funding from our own resources.

The agreement is a 'Private Agreement' between D4H (Services) Ltd and you.  This is completed via a 'Promissory Note' signed by you.

Essentially, a Promissory Note is a legally binding promise from you to pay the amounts noted within the document at the intervals stated.  It really is that simple.  However, it is a legal document and you will be legally committed to the undertakings contained within the document.  

BUY NOW. PAY LATER | Interest Free

No other septic tank installation company offers you the option to pay over 12 months interest free.  This option is unique to us.

Be Aware | Legally Binding Agreements

The agreement you will sign with D4H (Services) Ltd is a legally binding agreement containing responsibilities and liabilities for you and rights and legal remedies for us in the event of late payments or non-payment.  Please ensure you fully understand before signing.

Apply Now | Request an Application Form

The application process for our industry unique Buy Now Pay Later 0% Interest Free Payment Option is quick, straight-forward and very easy.  Simply click here and enter your email address and we'll send you an application form.
It really is that easy.

' I chose to pay for my septic tank system with the 0% Interest Free option.  It works for me!  I pay a small monthly payment over 12 months rather than a big upfront payment.  It means I can pay from my monthly pension and not put myself under any financial pressure '
Elaine | Veliko Tarnovo