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  • SmoothSkin Consumer Credit

Buy SmoothSkin Muse and pay over 12 months with interest-free credit.

Representative example

Purchase price with VAT£279.00
Total Repayable £279.00
Agreement Duration12 Months
Credit Amount£279.00
Interest Rate0% APR Representative
12 Monthly Payments £23.25

What is eFinancing?

A consumer instalment loan that is available to identified products. Financing is at the Cart/Order level and includes accessory items, VAT and shipping. It takes 5 minutes to complete a credit application and you will have a decision in 30 seconds.

Borrowing money is a serious matter. You need to think carefully about whether you can afford the payments over the full term of the loan.

What products are eligible for financing?

Currently only SmoothSkin Muse is available for financing.

It is available at 0% financing over 12 months – with a minimum order value of  £249 (including VAT and shipping and any discounts applied) is required to be eligible for this offer. Note that if during a promotional period the sales price for SmoothSkin Muse falls below £249, the option to select e-finance as the payment method will be removed.

How do I apply?

Simply select “Financing” from the billing page upon checkout. The application process is simple. It will take around 5 minutes to complete and you should have a decision online is less than 30 seconds.

Are deposits required?

No deposits are required. You are able to finance your entire purchase. Your first monthly payment will not become due until 30 days after we have completed shipping your order.

Who is Eligible for Financing?

Applying for an instalment loan is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit-rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history (no late payments, CCJ’s, etc.) and meet the following minimum criteria:

  • Be a UK resident
  • Be over 18 years of age
  • Have 3 years of UK address history
  • Have a valid phone number and email address
  • Delivery address must be the address on your credit application (billing address)
  • Be in permanent paid employment of 16 hours per week or more, or:
    • Be retired (including Medically Retired under the statutory retirement age) receiving a pension or;
    • “House person” living with a spouse or partner who is in paid employment or;
    • Self-employed or;
    • In receipt of Disability Living Allowance or Personal Independence Payment

Who is offering Financing for SmoothSkin? 

Financing options are offered through Divido Financial Services in association with Shawbrook Bank Limited.

Divido Financial Services Limited (‘Divido’) are authorized and regulated by the Financial Conduct Authority (Permission Number 628253). For more information, please visit:

Finance is provided by Shawbrook Bank Limited who is authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct. Shawbrook Bank Limited will treat any Loan Agreement made through our introduction as being regulated by the Consumer Credit Act 1974 and as giving you the protections provided in respect of agreements which are regulated by that Act. For more information, please visit:

Who is Shawbrook Bank?

Shawbrook Bank is an experienced team in personal lending. They are a responsible lender, and will check that you can afford the loan before an agreement is made. This will include a detailed review of your income and expenditure.

Shawbrook promise:

  • Act fairly and reasonably in their dealings with you
  • Provide a high quality of service

After my order is approved and processed, may I modify my cart or change delivery options?

Once you’ve placed your order through eFinancing, you will not be able to change the delivery speed or add a gift option.

Who do I contact if I have questions about my loan?

Shawbrook Bank has a dedicated customer service.

During the application process contact Shawbrook

Telephone number 0345 850 9961
Opening Hours are:
Monday to Friday 9am to 9pm
Saturday 9am to 5pm
Sunday Closed
Bank Holidays 9am – 5pm (excluding Christmas, Easter and Boxing Day)

Once your agreement is live contact Shawbrook

Telephone number 034 5650 6290
Opening Hours are:
Monday to Thursday 8am to 8pm
Friday 8am to 6pm
Saturday 9am to 2pm
Sunday Closed
Bank Holidays 9am – 5pm (excluding Christmas, Easter and Boxing Day)

If my application is declined, what happens next?

  • You can still pay for your order by card
  • Shawbrook will mail out a decline letter, providing all the initial information you need
  • Due to Data Protection Shawbrook cannot deal with any initial telephone calls you need to wait for the decline letter.

You can contact Shawbrook Bank Limited:

By Post: Newport Administrative Centre, PO Box 852, Newport, NP209LJ


How do I change my bank details or payment date?

 If you wish to change your bank details or your payment date please contact Shawbrook Bank customer services team on 0345 650 6290 (Monday through Friday 9 am – 9 pm, Saturday 9 am – 6 pm and closed Sunday and bank holidays which include Christmas, Easter, and Boxing Day).

Partial Returns or Refunds:

If any part of your Shawbrook Financed order is returned or a refund or discount is to be applied after your loan application has been approved the following will take place:
– eFinance customer services will deal with your request
– The maximum reduction in is 15% of the original loan amount; if the reduction is great then 15% a new finance agreement is required or you can make alternative payment arrangements and cancel the original loan.
– The remaining loan amount cannot be less than £250; if the remaining loan amount is less than £250 then the original loan will have to be cancelled and alternative payment arrangements are required

Standard Terms of Sale for applies to your order when using SmoothSkin Consumer Credit including handling of returns and cancellations.

Interest rate and APR Information on our website about finance options provided by Shawbrook Bank Limited may state two figures, the “interest rate” and the “APR”. By law, both figures must be stated in the Loan Agreement and are shown in Representative Examples.

  • Interest rate: This means the annual rate of interest charged by the lender on the amount you borrow.
  • APR: This stands for Annual Percentage Rate. It is calculated using a formula set down by law and is intended to indicate the overall cost of a loan. The APR takes into account the total amount of interest payable over the term of the loan and any other charges you have to pay. The APR will be higher than the interest rate unless the loan is “interest-free”, in which case both the interest rate and the APR will be 0%.
  • Total charge for credit: This is the predicted total cost of your loan and will be stated in your Credit Agreement. It is calculated on the assumption that you will make your monthly repayments as they fall due. If you repay sooner, the actual total charge for credit you will pay should be lower; if you repay later, the actual total charge for credit you pay will be higher.

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