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Flexible Finance Options

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 either 'PayPal Credit' or 'Finance'.

  • finance step 2

    Step Two

    Pick your plan. We offer 6, 12, 18, 24, 36 & 48 month plans. You can choose PayPal Credit or V12 Finance as the option in our checkout.

  • finance step 3

    Step Three

    Fill in your details and complete your Application for credit. Interest is fixed at just 14.9%APR. 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 6, 12, 18, 24, 36 or 48 months, at a rate of just 14.9%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
6 Months PayPal Credit 14.9% £99 No Deposit 6 Months: £89.99 £521.95
12 Months PayPal Credit 14.9% £99 No Deposit 12 Months: £45.11 £541.27
18 Months PayPal Credit 14.9% £99 No Deposit 18 Months: £31.17 £561.04
24 Months V12 Finance 14.9% £500 No Deposit 24 Months: £24.22 £581.27
36 Months V12 Finance 14.9% £500 No Deposit 36 Months: £17.31 £623.09
48 Months V12 Finance 14.9% £500 No Deposit 48 Months: £13.89 £666.72

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 - if you are applying for PayPal Credit and already have a PayPal account then usually you'll just have a few questions to answer, if you don't have a PayPal account you just need to register with them. If you are applying for V12 finance then 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 toy 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, PayPal Wallet 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 6 or 12 months deferred period ends, you can choose to pay in full, with a £35 settlement fee, or spread the cost over 42 or 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 no deposit and absolutely nothing to pay for up to 6 or 12 months. Repay the full amount of the credit together with a settlement fee of £35.00 at any time up to the date on which your first monthly instalment falls due or pay monthly over 42 or 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 6 months 19.9% No Deposit 42 Months: £17.47 £733.74
Buy Now Pay Nothing for 12 months 19.9% No Deposit 36 Months: £21.43 £771.48

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, PayPal Wallet 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