When you get to the payment page on the checkout, if you qualify, you will be shown the finance options available to you. Finance is only available to customers who order on the website.
Pick the option that suits you best and you will be taken to V12Finance.com web site to complete your online application. You will be notified of the decision usually straight away (during working hours) but it may take longer for some applications.
Once you have been approved you will be able to download the credit agreement (or have it posted to your address) which you will need to sign and send to V12Finance.com. When V12Finance.com receives a completed agreement, they will notify us to deliver your order.
Your delivery must be made to the address on the finance application which must be the billing address on the order.
To apply for finance you must meet the following criteria
- are 21 years of age or above
- are, or your partner is, in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self employed
- have been resident in the UK for at least 3 years and will continue your residency in the UK
- have Bank/Building Society current account details available
Applications will not normally be accepted in the following circumstances
- Unemployed and partner not working
- Full time student
The following examples are based on a price of £1999.99
Buy Now Pay 6 Months Later
The Buy Now Pay Later scheme is an interest bearing loan where the first instalment is deferred for 6 months. You can either settle in the deferred period BEFORE your first instalment is due and pay NO interest charges OR enjoy the payment holiday and make the normal instalments incurring the interest shown below. The choice is yours.
The minimum product price to use this scheme is £750.00.
Total Cash Price (incl. VAT) £1999.99 Deposit £200.00 Loan Amount £1799.99 Interest/Total Charge for Credit £1233.25 Service Fee £35.00 Total Amount Payable £3268.24 Balance Payable £3033.24 By 42 Monthly Repayments of £72.22
Classic Credit 24 Months 15.9%
Our Classic Credit scheme is simply an interest bearing loan repayable over 24 months.
The minimum product price to use this scheme is £350.00.
Total Cash Price (incl. VAT) £1999.99 Deposit £200.00 Loan Amount £1799.99 Interest/Total Charge for Credit £291.37 Total Amount Payable £2291.36 Balance Payable £2091.36 By 24 Monthly Repayments of £87.14
If your application is rejected, please do not call us as we do not know the reason for the rejection. Similarly V12Finance.com are unable to inform you of the reason as they also do not know the reason.
Applications can be rejected for many reasons but the main ones are listed below.
- Your credit score
- Adverse credit reference
- You are aged under 18
- You are considered to be overcommitted
- Your existing account performance with other lenders
Finance is arranged by V12Finance.com. V-12 Holdings Limited. Registered in England Number 04585692. Registered Office: V-12 Holdings Limited, 20, Neptune Court, Vanguard Way, Cardiff, South Glamorgan, CF24 5PJ
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