Finance Options Available

Buy today and pay later by selecting one of our flexible finance options. 

  • finance step 1

    Step One

    Add any product over £99 to your basket and select 'PayPal Credit', if you spend more than £250 you can choose longer periods for finance by selecting 'V12 Finance' at the payment stage in our checkout.

  • finance step 2

    Step Two

    Pick your plan. We offer 24, 36 & 48 month plans with our V12 Finance option in the checkout, alternatively PayPal Credit is available in the basket for shorter term finance.

  • finance step 3

    Step Three

    Fill in your details and complete your Application for credit. Interest is fixed at just 19.9%APR with V12 Finance, and 17.9%APR with PayPal Credit which you can select in the basket . If your application is successful you will need to e-sign your finance agreement as soon as possible to secure your preferred delivery date.

How does this work?

Flexible repayment options are available on all items over £99, making those big investments easier to manage.

And all it takes is a simple application form. You can choose to spread the cost over as long as 48 months using our V12 Finance payment choice at a rate of just 19.9%APR or you can choose shorter term finance using PayPal Credit at a rate of 17.9%APR.

Example of a £500 purchase

Here’s a table we’ve put together using a £500 purchase example, take a look to see how payments are broken down.

Term Provider Representative APR (Fixed) Min Spend Deposit Payments Total Payable
48 Months V12 Finance 19.9%APR £250 £50 Deposit £13.28 per month £687.44
36 Months V12 Finance 19.9%APR £250 £50 Deposit £16.33 per month £637.88
24 Months V12 Finance 19.9%APR £250 £50 Deposit £22.52 per month £590.48
18 Months PayPal Credit 17.9%APR £99 No Deposit £31.88 per month £573.82
12 Months PayPal Credit 17.9%APR £99 No Deposit £45.50 per month £546.03
6 Months PayPal Credit 17.9%APR £99 No Deposit £87.74 per month £526.43

Frequently Asked Questions

Am I eligible for finance? »

The short answer is, you probably are! Our credit providers carry out credit checks and both have a few key requirements for offering finance, please make sure you meet these simple requirements

  • Your order is £99 or more
  • You are 18 years or older
  • You are a UK resident, and have been for more than 3 years
  • You can make regular direct debit payments
  • You are in regular employment*, or permanently live with a spouse who is in regular employment*, or retired
  • Have a credit/debit card in your name that is registered to your current address
  • You have a good credit history, and have received no CCJs

*minimum of 16 hours per week and also includes self-employed

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How long does it take to apply? »

That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.

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What details should I have to hand? »

You don't need much - you just need a credit or debit card and your bank account details.

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What if I'm declined for finance? »

When you're applying for finance there is a possibility you could be declined. This can often be due to one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.

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  • finance step 1

    Step One

    Add any product over £150 to your basket and select 'Pay on Finance'.

  • finance step 2

    Step Two

    Once you’re in the basket, choose the ‘Pay nothing’ option. Then, fill out the short application form and you’ll get an instant decision. You'll need to e-sign your "approved finance" agreement as soon as possible to secure your delivery date.

  • finance step 3

    Step Three

    Before your 12 months deferred period ends, you can choose to pay in full, with a £49 settlement fee, or spread the cost over 36 months respectively paying monthly at 19.9%APR interest.

How does this work?

As long as your order comes to £150 or more, with Buy Now Pay Later you can take a nice long payment holiday.

That means nothing to pay for 12 months, after your 10% deposit which you pay once your finance application has been accepted. Repay the full amount of the credit together with a settlement fee of £49.00 at any time up to the date on which your first monthly instalment falls due or pay monthly over 36 months with a fixed rate of just 19.9%APR . And, it couldn’t be easier to apply, just fill out our short and simple application form when you check out.

Example of a £500 purchase

Finance Options Representative APR (Fixed) Deposit to pay Payments Total Amount Payable
Buy Now Pay Nothing for 12 months 19.9%APR 10% Deposit 36 Months: £19.28 £744.08

Frequently Asked Questions

Am I eligible for finance? »

The short answer is, you probably are! Our credit provider carries out credit checks and has a few requirements for offering finance but please make sure you meet these simple requirements

  • You are 18 years or older
  • You are a UK resident, and have been for more than 3 years
  • You can make regular direct debit payments
  • You are in regular employment, or permanently live with a spouse who is in regular employment
  • Have a credit/debit card in your name that is registered to your current address
  • You have a good credit history, and have received no CCJs

* If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

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How long does it take to apply? »

That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.

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Can I pay the balance before the fixed term? »

Yes you can pay off as much as you like, whenever you like. You will not be charged for paying your balance off before the end of the fixed term.

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What details should I have to hand? »

You don't need much - a credit or debit card, your bank account details and your employer details.

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What if I'm declined for finance? »

When you're applying for finance you always need to remember that there is a possibility you will be declined. This can often be caused by one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.

Close