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Interest Free Credit

0% Interest Free Credit - Up to 4 years available

Finance Options

6 Months0%10%
12 Months0%10%
18 Months0%10%
24 Months0%10%
36 Months0%10%
48 Months0%10%
24 Months15.9%10%
36 Months15.9%10%
48 Months15.9%10%
Step 1

Finance Calculator

Use the on page calculator on single items of £280 or more to find the most suitable finance option for you.

Step 2

Add to basket

Add the items to your basket and proceed to the checkout.

*For baskets of multiple items totalling £280 or more, the finance options can be found at the checkout.
Step 3

Choose a finance option

Fill in your details then select a finance option, deposit and length of repayment plan.

Step 4

Credit check

Our third-party partner V12 Retail finance will then perform a credit check. If successful, you will be required to secure your purchase by paying a minimum 10% deposit.

Frequently Asked Questions

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 V12 Finance on 029 2046 8900 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 a fast and easy process. Once complete, your application will then be instantly sent to the finance company and they will get a response to you as soon as possible. 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. You must be either in employment or retired. 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.
Your purchase must be of £280 or more.
The deposit must be at least 10% of the total order.

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.

Telephone: 029 2046 8900

V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ

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 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?

Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance for details by phone, e-mail or letter at the following;
Telephone: 029 2046 8900
Email: [email protected]
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ

How much does the loan cost?

The total cost of the loan is shown on the finance agreement that you will see before you purchase your item(s).

Are there any other charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, V12 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?

V12 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. It is also shown clearly on the credit agreement itself.
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. A minimum deposit of 10% is required at the initial payment stage. A credit check will be performed by the finance company as part of the automated transaction process.*
*Please note that promotions, including but not limited to discount codes and cashback, are not applicable when paying by finance.

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