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FLEXIBLE FINANCE FOR ANY BUDGET

Spread the cost of the items you need with our range of flexible finance options to suit any budget - from names you can trust!

Credit without the card - Flexible Finance!

It's as easy as...

Add any product over £99 to your basket.

Select the preferred finance option at the payment stage in our checkout.

Fill in your details and complete your application and get an instant decision!

Our flexible repayment options allow for large investments to be much more manageable. If you spend over £99, you can choose to spread the cost over a period of up to 48 months. Below is an example of a £500 purchase:

Term Provider Representative APR (Fixed) Minimum Spend Deposit Payments Total Payable
48 Months V12 Finance 19.9%APR £275 £50 Deposit10% of order £13.28 per month £687.44
36 Months V12 Finance 19.9%APR £275 £50 Deposit10% of order £16.33 per month £637.88
24 Months V12 Finance 19.9%APR £275 £50 Deposit10% of order £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
Buy Now Pay Nothing for 12 Months V12 Finance 19.9%APR £400 £50 Deposit10% of order After 12 months if you choose 36 months:£19.28 per month £729.08incl. £35 settlement fee

Representative example

Order value (cash price) £400, total amount of credit £400 with no deposit to pay, 19.9% representative APR, annual rate of interest 10.17% fixed, 12 monthly payments of £36.72, total amount payable £440.64.

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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

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.

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.

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.

Are there any other costs associated with finance through V12 Finance or PayPal Credit? »

During the application process V12 Finance or PayPal Credit may do a small authorisation charge (no more than 50p) against your credit or card to verify your identity, no money will be taken from your card however where there is a deposit for finance this may be reserved from your account, if you are declined for finance these funds will be unavailable for up to 5 working days.

Can I pay in full before my 12 months deferred period ends in the Buy Now Pay Later option? »

Yes, you can choose to pay in full, with a £35 'settlement fee', or spread the cost over 36 months respectively paying monthly at 19.9% APR interest.

How do I qualify for Buy Now Pay Later? »

You have to spend over £400 onsite and the option will be available with all the other finance options on checkout.

Do I have to pay a deposit on my order if I want to get finance? »

For PayPal credit you do not need to pay any deposit, and for V12 finance there is 10% deposit to pay.

Is there a first-time customer offer available? »

PayPal Credit have a representative APR is 14.9% for your first purchase, after that it will be 17.9%. For V12 finance there is no offer currently available.

In a little more detail...

PayPal CreditFind out more »

PayPal is a fast, secure and easy way to pay online. PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, card-less revolving credit limit. If approved PayPal Credit is accessible from your PayPal account, allowing you to manage your payments, view your balance and check your monthly statements online. There’s no lengthy application to fill out, just answer some quick questions, review and accept the terms and get a decision in seconds. For more info and to help you with all the questions you have for PayPal about this payment type, click here.

V12 Retail FinanceFind out more »

V12 is one of the UK's leading providers of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. 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. Buy It Direct Limited of Unit A, Trident Business Park, Neptune Way, Huddersfield HD2 1UA is acting as a credit broker for V12.

Finance Terms and Conditions

Find out more »

During the application process V12 Finance or PayPal Credit may do a small authorisation charge (no more than 50p) against your credit or card to verify your identity, no money will be taken from your card however where there is a deposit for finance this may be reserved from your account, if you are declined for finance these funds will be unavailable for up to 5 working days.

Pay monthly finance is available for: 6, 12 and 18 months using PayPal Credit; 24, 36 and 48 months using V12 Finance. To be eligible to apply for finance, you must be 18 or older, in regular employment, live with someone in regular employment, or retired, and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12’s parent company for 24, 36 and 48 months finance or PayPal Europe on 6, 12, 18 months finance. Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

 
 
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