Am I eligible?
To apply for finance you must be:
- At least 18 years old.
- A permanent UK resident. In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
- In receipt of a pension if you are retired.
- Able to confirm sufficient income if you are registered disabled.
Who provides the finance?
Our finance is supplied by V12 Retail Finance. We've teamed up with V12 Retail Finance Limited to provide flexible and affordable options to pay for your goods on finance. If your application for finance is successful, you will enter into a Credit Agreement with either Secure Trust Bank PLC. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 679653 and acts as a credit broker for Secure Trust Bank PLC. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550. V12 Retail Finance is a trading name of Secure Trust Bank PLC.
Do you offer a no deposit option?
Yes we do. You can place any size deposit you want as long as there is £250 outstanding on your items. No deposit (£0) is available on all finance options.
Can my order be sent to a different address?
Finance orders can only be shipped to the address given in your finance application.
Is there a limit to the amount I can spend?
The maximum threshold for V12 Finance is £15,000 per order.
When do I start to pay?
With V12 you don't start paying for finance until a month after the date we dispatch your items to you.
Can I pay off the loan early?
Yes you can with V12 Finance. For V12 simply call 02920 468900 and they will help arrange this with you.
How soon will I get my items?
If finance is accepted your items will be shipped as soon as possible. This could take as little as 24 hours.
Can I return an item on Finance?
Yes. You can return any item on finance. It will take V12 between 3-5 days to cancel finance and your deposit and previous payments will be refunded to your account. Please note: you can’t return an item on finance if it reduces the minimum value of your basket to below £250 for V12 Finance. We can an exchange a like-for-like item or a different product of the same value. Or, we can offer you a voucher of the same value as the item(s) you are returning. This voucher can be used for any item and is valid up to one year. Please call us on 01297533633 if you are unsure how to proceed.