Finance is now available for all orders over £300

Abbeygardensales are delighted to offer you an easy way to spread the cost of your purchase over a timeframe which suits you.

The upfront cost of garden machinery may sometimes be more than your budget can cope with. You may need a lawnmower immediately, or want to take advantage of a special offer before it expires.

This is where Abbeygardensales finance can help. You can choose repayment periods of 12, 24, 36 or 48 months. You can borrow between £300 and £9000 although a 10% deposit is required. We offer competitive rates of interest.

How do I Apply?

Add items to your basket to the value of £300 or more. On the payment screen, click the choice ‘Buy on Finance’. Enter your details to complete the order.

We will then email you a link to the payment provider “Close Brothers Retail Finance” to complete your finance application. You will be required to fill in your details accordingly and they will assess your credit application. The email response to complete the finance application will only be sent during normal office hours, so if you place your order enquiry after 5pm you will be contacted the following working day.



Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.

Close Brothers Retail Finance is a trading style of Close Brothers Limited — a subsidiary of Close Brothers Group plc. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Abbey Garden Machinery Ltd work exclusively with the Close Brothers Retail Finance as the lender.

Qualifying For Credit
Close Brothers Retail Finance will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application. We ask that you have a good credit history with no history of late repayments or payment issues.

How Much Can I Borrow?

The maximum The maximum lending amount in additional to the upfront deposit is £9000 (total purchase price of £10000 with 10% deposit).

Is a Deposit Required?

A deposit is required on all orders, minimum 10% - maximum 50%.

How Are My Monthly Payments Made?
Your monthly repayments will be taken via direct debit from your chosen bank account.

What Type Of Products Can I Buy On Finance?
You can purchase any combination of products totalling £300.00 or more.

What Length Of Repayment Is Available?

Option 1   12 Months    Interest Rate 14.9% APR
Option 2   24 Months    Interest Rate 14.9% APR
Option 3   36 Months    Interest Rate 19.5% APR
Option 4   48 Months    Interest Rate 19.5% APR

Can I Pay Off My Loan Early?
Yes, please contact Close Brothers Retail Finance directly 0844 880 6542 in order to make additional payments. Please note that interest rates will be adjusted accordingly.

Standard Information and Regulatory Status of P4L and Close:
Consumer Credit Service is provided by Close Brothers Retail Finance. For more information please refer to our frequently asked questions or visit
Close Brothers Retail Finance is a trading name of Close Brothers Limited. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority – firm reference number 124750. For more information please visit


Selection of typical frequently asked questions that you could incorporate into your finance information page as you see fit. Please note these are just examples – you should ensure that any information or questions you add are relevant to your business and processes.

If you choose to use any of these questions we cannot guarantee they meet all your regulatory requirements, please independent legal advice if you are unsure. If you wish to make any changes to any of the questions and answers please contact our marketing department.

How do I ask a question about the Credit Agreement?
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call Close Brothers Retail Finance on 0844 880 6542 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.

How long does it take to apply online?
Our online application form is fast to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can’t give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

What are the requirements for finance?
You must be a permanent UK resident and able to supply 3 years address history. Employment or retired and receive a gross annual income of at least £10,000.Have a good credit history and own a debit or credit card. You must have a UK bank account capable of accepting Direct Debits. The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the 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 the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Close Brothers Retail Finance
Dee House
St Davids Park

Telephone: 0844 880 6542

Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process.

Do I need a bank account?
Yes. You must have a UK bank account capable of accepting Direct Debits.

Do I need to pay a deposit?
Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown 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.

How do I repay the loan?
Your monthly repayments are collected by Direct Debit.

Can I pay my agreement off early?
You have the right to repay all or part of the credit early at any time – you should contact Close Brothers Retail Finance for details by phone, e-mail or letter at the following;

Close Brothers Retail Finance
Dee House
St Davids Park
Telephone: 0844 880 6542

How much does the loan cost?
The total cost of the loan is shown on the finance agreement.

Are there any other charges?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, Close Brothers Retail Finance may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

How long before I have to start to repay the loan?
Close Brothers Retail Finance will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

What APR will I be charged?
The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself.

Example Purchase - Mountfield 1640H 102cm Lawn Tractor
Deposit  10% tractor
Purchase price   £2499.00
Deposit to pay   £249.90
Amount of Credit  £2249.10
Monthly Payments  £201.91
Amount of Interest  £173.80
Number of Monthly Payments  12
Total Amount Payable  £2672.80
Rate of Interest (Fixed per Annum)  14.9%
APR Representative  14.9%

Abbey Garden Machinery Ltd
Union Mine Road
Pitts Cleave
PL19 0PW