the cost
with our range of
finance options

We offer a variety of camera finance options to make it easier for you to purchase the latest camera equipment.

We offer all of the following options at any of our nationwide stores or call 0333 003 5000 and we'll be happy to assist. When you are shopping online please just select "Apply For Financing" on the payment page and keep an eye out for the Apply Now link at the final step of the checkout process. If you would like to make a deposit as part of your finance agreement please place your order with us and then call us with your order number or email us at customer.support@calphoto.co.uk. We can update your finance application to include a deposit amount of your choosing.

All credit is subject to application and status. Terms & conditions apply, please click here for the details.

We offer two kinds of financing:

  1. Interest Free Credit — spread the cost of your purchase evenly and pay no interest
  2. Interest Bearing Credit — spread the cost of your purchase evenly but with interest each month

Interest Free Credit — Limited Time Only!

Available for select items only.

Take advantage of our interest free credit (0% representative) camera finance option when you buy select cameras. This is an interest free loan with no arrangement fees. You repay the loan amount through equal monthly payments that commence 30 days after your order has been shipped.

See the representative example below to see how much Interest Free Credit costs

The Interest Rate 0%
Cash Price £1,500
Deposit / Advance Payment £0.00
Total Amount of Credit £1,500
The Loan Period 12 Months
Amount of Interest Payable £0.00
Monthly Payment £125.00
Total Amount Payable £1,500
Admin fee for payment only during first 6 months £0
Representative APR 0% APR (Fixed)

Interest Bearing Credit

Spend between £250 and £15,000 on any products and choose our INTEREST BEARING option. There is no deposit to pay and you spread the payments over 12, 24, 36 or 48 equal monthly repayments at a representative rate of 9.9% APR (FIXED).

This is an interest bearing loan with interest charged at the given APR. There are no additional arrangement fees. You repay the loan amount and total interest spread equally over the chosen repayment period.

See the representative examples below to see how much interest bearing credit costs over 12, 24, 36 or 48 months:

The Loan Period 12 Months 24 Months 36 Months 48 Months
The Interest Rate 9.9% (FIXED) 9.9% (FIXED) 9.9% (FIXED) 9.9% (FIXED)
Cash Price £2,000 £2,000 £2,000 £2,000
Deposit / Advance Payment £0.00 £0.00 £0.00 £0.00
Total Amount of Credit £2,000 £2,000 £2,000 £2,000
Amount of Interest Payable £104.08 £203.20 £305.44 £430.20
Total Amount Payable £2,104.08 £2,203.20 £2,305.44 £2,430.20
Monthly Payment £175.34 £91.80 £64.04 £50.63

Our Interest Free and Interest Bearing Credit facilities are provided by Close Brothers Retail Finance.

Calumet Photographic acts as a credit broker and only offers credit products from 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. Registered Address: 10 Crown Place, London EC2A 4FT. Registered at Companies House Number 195626.. Please not that we cannot allow click and collect on orders financed by Close Brothers and that all financed orders must be delivered to the customer's billing address given to Close Brothers during the application process.

Calumet Photographic is registered in England and Wales. Registered office: Promandis House, Bradbourne Drive, Tilbrook, Milton Keynes, Buckinghamshire, MK7 8AJ. Calumet Photographic is authorised and regulated by the Financial Conduct Authority. Our registration number is 425579.


Leasing allows you to combine a fixed monthly payment with the flexibility of upgrading during the agreement.

You can ensure that your business has the latest camera equipment whilst minimising impact on cash flow. Lease rental payments will be fixed for the duration of the agreement, allowing you to budget effectively and reducing impact on banking facilities.

There is a small initial outlay — usually one month's rental plus set up fee. Affordable monthly payments can be spread over a period of two to five years dependent on value and type of equipment. The agreement offers flexibility allowing you to make an early settlement or additional payments at any time with no penalty. A single monthly payment at the end of the lease guarantees lifetime retention of the equipment.

See below for a typical example of how much leasing will cost:

Cash Price
Initial Payment (including £60 set up fee)
Monthly Payments
Leasing Period 36 months
Total Repayable £2538.24
Optional Final Monthly Payment
Guarantees lifetime retention of product

Our leasing facilities to limited companies are provided by Photolease. To read more or apply for leasing please see the leasing application form on www.photolease.co.uk.