Finance UK Disclosure

Finance & Regulatory Information

About our finance (Buyline)
We offer finance to help spread the cost of treatment. Applications are made online with a quick decision, and a range of terms may be available depending on eligibility. Finance is subject to application, your financial circumstances and borrowing history. Finance is only available to UK residents aged 18+. Terms and conditions apply.

Our regulatory status
V H C LONDON LTD (trading as Vinci Hair Clinic) is authorised and regulated by the Financial Conduct Authority (FCA), FRN 665393 (check the FCA Register).
We act as a credit broker, not a lender. We do not charge you for credit-broking services. We may introduce you to loan products provided by Buyline Ltd (and, where applicable, other partner lenders). We may receive a commission for introductions; this does not influence the rate you pay. Credit is subject to status and affordability checks. 0% finance with a term of 11 months or less is not regulated by the FCA. (Details of our commission are available on request.)

Representative examples

0% finance (10 months)
Representative Example: Cash price £5,000; Deposit £1,000; Total amount of credit £4,000; Term 10 months; Interest rate 0% p.a. fixed; Representative APR 0%; 10 monthly payments of £400.00; Total amount payable £5,000; Total cost of credit £0.

9.9% APR (24 months)
Representative Example: Cash price £5,000; Deposit £1,000; Total amount of credit £4,000; Term 24 months; Interest rate 9.9% p.a. fixed; Representative APR 9.9%; 24 monthly payments of £184.40; Total amount payable £5,425.48; Total cost of credit £425.48.

Eligibility

• UK resident, 18+.

• Subject to application, affordability and credit checks.

• Minimum/maximum loan amounts and any minimum deposit may apply.

• Products/terms offered at our discretion.

How to complain (credit-broking)
If you have a complaint about our credit-broking service, please contact:
Complaints – V H C LONDON LTD • admin@vincihairclinic.com • 130 Harley Street, London • +44 20 07 145 0112 (standard geographic rate).
We’ll acknowledge your complaint promptly and aim to provide a final response within 8 weeks. If you’re not satisfied, or we haven’t responded within 8 weeks, you can contact the Financial Ombudsman Service: financial-ombudsman.org.uk • 0800 023 4567 • Exchange Tower, London E14 9SR. Complaints must usually be referred within 6 months of our final response.

Privacy (finance applications)

If you apply for finance, we will share your information with Buyline Ltd (and, where applicable, other partner lenders) so they can assess your eligibility, run affordability/credit checks and process your application. Buyline will be a separate data controller of your application data—please see Buyline’s Privacy Policy for how they process your information. We will only share your data with your consent.



Calculate your rate here: https://buyline.co.uk