Frequently Asked Questions!

Finance 4 Vetcare provide an Interest Free Finance product for the vetinary marketplace, to assist in making treatments more affordable. We use a state of the art online finance application gateway, which enables clients to complete a credit application in the comfort of their own home. At Finance 4 Vetcare we are driven to deliver an ethical, professional, empathetic and efficient service via our multi-faceted web site. Our Management team has a wealth of experience in delivering financial products into the Professional and Medical markets including Interest Free Finance for Optical and Dental treatments as well as Funeral costs.

Shawbrook Bank is the leading UK’s specialist provider of Retail Point of Sale Credit, providing finance to customers of our retail partners for over 20 years through our industry leading online paperless processing system.

The Shawbrook System works across all channels, whether Mail Order, In-Store or Online, offering support across a variety of sales routes, and allowing retailers the flexibility to choose the finance options to best suit their business.
Shawbrook Bank is committed to providing a premium eFinance service to retailers across a number of sectors, including the Furniture, Consumer Electrical, IT and Computers, Lifestyle, Jewellery, Dental and Sports Season Ticket sectors.

Shawbrook Bank, Lutea House, Warley Hill Business Park, The Drive, Great Warley. Brentwood, Essex. CM13 3BE. Web : https://www.shawbrook.co.uk

Yes. A credit check forms part of the automated decision making process and is part of their responsible lending policy.

If you have a question, if there is anything you do not understand or if you require any further information regarding the credit agreement, please call Finance 4 Vetcare on 0333 222 4444 or seek free, independent advice from organisations such as:the Citizen Advice Bureau or the Consumer Financial Education Body

Unfortunately we are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company and Finance 4 Vetcare has no part in the decision. The reason for a decline is often that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information. If you wish to find out more about your credit status please click below for a free copy of your credit report.




Responsible lending is providing credit, based on background checks and professional judgement, to people who can accommodate regular repayments without getting into financial difficulty. Before the finance company will offer credit, they will assess whether they feel you will be able to repay it. Finance companies endeavour to make their decisions as transparent and as objective as possible. Credit scoring is one of the decision-making tools they use: a technique used to assess the probability that customers can and will meet their financial commitments. Credit scoring uses data received from credit reference agencies.

These systems help finance companies make decisions about opening accounts and granting credit by using statistical techniques to measure the likelihood that a customer applying for credit will be an acceptable credit risk. It can also help to accelerate the decision making process. The Finance companies responsibility to lend responsibly should be seen as a complement to customers’ own obligations to borrow responsibly.

Borrowing from a finance company can be a very useful way to smooth out the gaps between your income and expenditure. Sensible borrowing has empowered generations of people to buy goods and services that would otherwise be well beyond their reach. Used sensibly, borrowing money can be a very good tool for managing your finances, such as spreading the cost of a purchase over a number of months. The key is to remain in control of your money and to make sure that you do not over-stretch yourself.

Yes you have the right under section 66A of the Consumer Credit Act 1974 to withdraw from this agreement without giving any reason before the end of 14 days beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement. If you wish to withdraw you must give us notice by one of the following methods. Oral notice must be given to us by telephoning Shawbrook Bank Ltd. 0345 650 6290 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays). or by email at : hil@shawbrook.co.uk

With your permission, we will email you a copy of the credit agreement and other important information, updates to the status of your application and to confirm when your application is complete. We will send these emails to the email address you provide on the credit application form so please ensure you enter your address carefully. If you have not received any email from us, please check your spam/junk mail filter.

Yes. You must have a UK bank account capable of accepting Direct Debits.

No. A Deposit is not mandatory, however your practice may ask for one. The amount of the deposit is show in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.

Your monthly repayments are collected by direct debit.

You can settle the agreement at any time by paying off the amount you owe. The amount may be reduced by a rebate. Examples indicating the amount you have to pay appear in the agreement. The examples are illustrative only and are based on the assumption that all instalments are up to date. No account has been taken of any variation to this agreement.

The total cost of the loan is shown clearly on the finance agreement. With Interest Free Finance there are no charges for finance.

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount until you pay it. They may also levy charges for: Processing any payment made other than by direct debit, sending arrears letters, reminders or documents to which you are not entitled .Arrears telephone calls, tracing you if you move address without notifying them, Cheques, standing orders or direct debits which are dishonoured, stopped or not paid by you. Please refer to the credit agreement for full details.

Repayments start one month after the agreement has been accepted and e-signed.

The APR is shown clearly on the credit summary (in the right hand side of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.

Yes. It is extremely safe to apply on-line. Your personal information is encrypted before transmission to ensure it cannot be viewed by any unauthorised third party. The Shawbrook Bank finance gateway uses proven techniques to ensure the security and integrity of sensitive data. Data storage on our systems is regularly audited to the highest standards to ensure a secure transaction environment. This includes specific regular third-party testing for vulnerabilities and reviews of application security and access control procedures.

We require personal details like your name, address, phone numbers and income. Plus your bank account and credit or debit card details. We need this information so we can be sure who’s applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest. For full details about the collection and potential uses of your personal details please refer to our Privacy Policy.

Yes. Your credit application is treated in the strictest confidence. We will not contact your employers, bank or any other third party.

Answers to the most frequently asked questions are detailed in this section. If your enquiry cannot be answered by the FAQ please email us at info@finance4group.com