Howdens Kitchen Finance

Howdens Joinery, a popular supplier of kitchens and joinery products to trade professionals, offers finance options to help their trade customers, primarily kitchen fitters, manage their cash flow and complete projects. While they don't directly offer finance to the end consumer, their trade account finance solutions can indirectly benefit homeowners looking to install a new Howdens kitchen.

The core of Howdens kitchen finance revolves around trade accounts. These accounts offer credit terms that allow fitters to purchase materials and products upfront and pay later, typically within a set period, such as 30 or 60 days. This is crucial for fitters as it allows them to take on jobs without needing to have all the capital immediately available. They can order the kitchen, install it, get paid by the homeowner, and then settle their account with Howdens within the agreed timeframe.

Howdens works with financial partners to provide these credit facilities. The specifics of the finance, such as interest rates and credit limits, will depend on the individual fitter's creditworthiness and the agreement they have with Howdens and their financial provider. These trade accounts often offer benefits like preferential pricing, access to exclusive promotions, and online account management, simplifying the ordering and payment process.

For homeowners, the benefit of Howdens' trade finance is indirect. Because fitters can access credit, they are more likely to be able to offer competitive prices and manage larger projects. This allows homeowners to spread the cost of their kitchen installation through their payments to the fitter, who is, in turn, managing their own cash flow with Howdens' credit facility.

It's important to understand that homeowners cannot directly apply for finance from Howdens. Instead, they should discuss payment options with their chosen kitchen fitter. The fitter can then leverage their Howdens trade account to manage the project's finances. Homeowners should always get a clear breakdown of costs from the fitter and understand the payment schedule before committing to the installation.

While Howdens' primary focus is on providing credit solutions to trade professionals, the availability of these solutions ultimately contributes to a smoother and more affordable kitchen installation experience for homeowners. By enabling fitters to manage their cash flow effectively, Howdens contributes to a more efficient and competitive market for kitchen installations.