Terms and Conditions of Credit

Family on a sofa


Company Details

Trading name

Duologi, which is the trading name of Specialist Lending Limited.They are a limited company registered in England & Wales under number 10664999 at the registered address:

The Square Basing View Basingstoke Hants

RG21 4EB United Kingdom

Trading disclosure

Duologi is a lender who offers finance on a fixed-term basis.

General conditions of credit

Any application for finance will be assessed based on your financial circumstances and credit history. There are certain conditions that must be met in order to apply for a loan with Duologi. You must:

  • Be 18 years or over at the date of the application.

  • Be no older than 75 years at the end of the loan term.

  • Be a UK resident with 3 years of UK address history.

  • Have an annual income of at least £10,000.

  • Have a valid personal phone number and e-mail address.

  • Have a good credit history with no late payments, county court judgements (CCJs),

    debt relief orders, individual voluntary arrangement (IVA) or bankruptcies.

    It is important to note that any missed or late repayments may affect your credit rating, which could make it more difficult to obtain credit in the future.


For further information on Terms and Conditions when taking out finance, please refer to the below:

Regulated finance https://duologi.com/wp-content/uploads/2023/08/Duologi-Credit- Agreement-Regulated.pdf

Unregulated finance https://duologi.com/wp-content/uploads/2023/08/Duologi- Exempt-Agreement-Exempt.pdf

This covers terms such as cancellation, withdrawal from the loan, early repayment, default and termination.

If you have any further questions, you can refer to our Frequently Asked Questions page. These terms and conditions are regarding the finance only.

For terms and conditions relating to the specific product or service you are financing, please refer to the retailer you are purchasing the goods or services from.

Trading and Regulatory Status Statement

Sofa Bed Expert is owned and operated by Vasto Divani Limited 

Registered in England Company No: 10640038 (England and Wales). 

Registered office address: Martlet House, E1 Yeoman Gate, Yeoman Way, Worthing, West Sussex, England, BN13 3QZ

VAT GB 263585480