Finance
Applying for finance couldn't be easier. Once you have added your items to the basket,
choose the Finance option at the checkout. You will be prompted to input
your credit / debit card details. This is for the 10% deposit. We will
not take this deposit from your card until your application
has been accepted, you have completed and signed the necessary documentation
and we have the goods ready to ship.
After completing the
application, you will be given an instant decision online. If successful,
you will be prompted to download and print the application form to sign
and post back to V-12. We will be able to despatch your goods within 2
working days of V-12 receiving your signed forms.
Together with our partners V-12, we are able to offer you these very attractive Finance deals:
Buy Now and Pay 12 Months Later
Buy Now and Pay 6 Months Later
Classic Credit Pay over 36 Months
Please note that our free delivery offer is not available on Finance Orders.
Buy Now and Pay in 12 months
Provided you pay the final balance in full before the 12 month buy-now-pay-later period expires, you will pay no interest and the credit agreement will be finalised. So, with the exception of a 10% deposit, you can purchase this product now and make no further payments for 12 months.
However, should you choose not to settle the outstanding balance in full before the 12 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at a 29.8% APR over a remaining period of 36 months.
For the above, this would work out as:
| |
| APR |
29.8% |
| Cost of Product |
£577.97 |
| Typical Delivery Charge |
£9.95 |
| Total Normal Cash Price |
£587.92 |
| Initial 10% deposit |
£58.79 |
| Administration Charges |
£45.00 |
| Remainder used for Loan |
£529.13 |
| Charge for Credit |
£450.35 |
| Balance Payable |
£979.48 |
| Total amount payable |
£1038.27 |
| 36 monthly repayments of |
£27.21 |
| |
Buy Now and Pay in 6 months
Provided you pay the final balance in full before the 6 month buy-now-pay-later period expires, you will pay no interest and the credit agreement will be finalised. So, with the exception of a 10% deposit, you can purchase this product now and make no further payments for 6 months.
However, should you choose not to settle the outstanding balance in full before the 6 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at a 29.8% APR over a remaining period of 42 months.
For the above, this would work out as:
| |
| APR |
29.8% |
| Cost of Product |
£577.97 |
| Typical Delivery Charge |
£9.95 |
| Total Normal Cash Price |
£587.92 |
| Initial 10% deposit |
£58.79 |
| Administration Charges |
£35.00 |
| Remainder used for Loan |
£529.13 |
| Charge for Credit |
£380.25 |
| Balance Payable |
£909.38 |
| Total amount payable |
£968.17 |
| 42 monthly repayments of |
£21.65 |
| |
Pay over 36 months
An easy and simple way of spreading the cost of your purchase is over 36 months. After making an initial 10% deposit of £58.79, you will then make 36 equal monthly payments of £19.22 at 19.9% APR.
For the above, this would work out as:
| APR |
19.9% |
| Cost of Product |
£577.97 |
| Typical Delivery Charge |
£9.95 |
| Total Normal Cash Price |
£587.92 |
| Initial 10% deposit |
£58.79 |
| Remainder used for Loan |
£529.13 |
| Charge for Credit |
£162.67 |
| Balance Payable |
£691.80 |
| Total amount payable |
£750.59 |
| 36 monthly repayments of |
£19.22 |
Note: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.
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