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What are the Personal Account benefits, terms and conditions?

To open a montage Personal Account, just select the Personal Account option when checking out online, or call our Order Line on 0844 556 3333, or select the Personal Account option on your order form.

How You Can Benefit ...

Spreading the cost: If you wish to spread the cost of your purchases, you can do so as and when you need to

14 Day Home Approval

Monthly Statements

Flexible Payment Options: You choose the method you prefer, and how much you wish to pay

Pay Your Balance In Full: Pay your balance in full by the request date shown on your statement and there will be no service charge (0% APR). One month interest free means that your first statement will be sent 14 days after delivery. You will have a further 14 days in which to make your payment, and clear your account without incurring any interest.

  1. Account holders must be over 18 years old
  2. Only one account can be held per postal address
  3. We will perform a credit check against all customers wishing to open a montage account
  4. We require your correct postcode to perform a credit check and open your account
  5. montage accounts are subject to status - written quotations are available on request
  6. We may use the information of other people you are financially linked to when considering your credit application and to verify your identity
  7. We will share information about you and your account, including your payment history, with credit agencies, lenders and other relevant third parties
  8. Organisations carrying out future credit searches against your name will have access to your details, including how you manage your account, and may use them when deciding whether to grant you future credit
  9. We will supply, on request, the names and addresses of the credit and fraud agencies we use for credit searches
  10. We may also trace your shopping habits to improve our website, the quality of products offered to our customers and the montage shopping experience in general
  11. Unless you contact us to state otherwise, by opening a montage account, you are allowing us to use your details for our marketing. We may share your details with other, carefully selected third parties
  12. We will send you a statement when you purchase goods with us.
  13. Your minimum monthly payment is 1/24th of your outstanding balance, or £5, whichever is the greater amount. You will be advised of your minimum payment on your statements
  14. Pay your balance in full by the request date shown on your monthly statement and there will be no service charge (0%APR). Interest will be charged on the remaining balance each month until the balance is cleared. The rate is 29.9% APR. If we need to change the credit charge we will give at least 28 days notice in writing
  15. If you fall behind with payments, we reserve the right to make an administration charge to cover the cost of any action we may have to take against you
  16. In the event that we cannot supply the item that you have ordered, we may offer you an alternative product of an equal or higher value. You are not obliged to keep this, and may return it in the normal way without any charge

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