Ex. VAT
Inc. VAT 
Ex. VAT
€ 
£ €
Spread the cost of the items you need with our range of flexible finance options to suit any budget - from names you can trust!
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.
Order value (cash price) £500, total amount of credit £450 with £50 deposit (10% of order value) to pay, 19.9%APR representative, annual rate of interest 10.17% fixed, 36 monthly payments of £19.28, cost of credit is £279.08, total amount payable £779.08.
Order value (cash price) £500, total amount of credit £450 with £50 deposit (10% of order value) to pay, 19.9%APR representative, annual rate of interest 13.58% fixed, 36 monthly payments of £19.28, cost of credit is £279.08, total amount payable £779.08.
Buy now pay later option. If you exercise the buy now, pay later option before the end of the non-payment period shown in the agreement, the amount of credit re-payable will be £450 plus the settlement fee of £35, but you will pay no interest. If you have not paid this sum in full by that date interest (at the above specified rate) will be charged from the date we told you your agreement was live. If you have made any partial payments interest will be charged only on the amount of credit that remains outstanding. A reminder will be sent by V12 Finance to you before the non-payment period ends.
| 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 | £744.08plus £35 settlement fee |
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:
*minimum of 16 hours per week and also includes self-employed
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.
You don't need much - you just need a credit or debit card and your bank account details.
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.
During the application process 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 with V12 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.
Yes, if you exercise the buy now, pay later option before the end of the non-payment period shown in the agreement the total amount of credit plus the settlement fee of £35 but you will pay no interest If you have not paid this sum in full by that date interest (at the above specified rate) will be charged from the date we told you your agreement was live. If you have made any partial payments interest will be charged only on the amount of credit that remains outstanding. A reminder will be sent by V12 Finance to you before the non-payment period ends.
You have to spend over £400 onsite and the option will be available with all the other finance options on checkout.
For PayPal credit you do not need to pay any deposit, and for V12 finance there is 10% deposit to pay.
PayPal Credit have a representative APR is 17.9% for your first purchase, after that it will be 19.9%. For V12 finance there is no offer currently available.
Find 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.
Find 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 Registered Number: 04171412 is acting as a credit broker for V12.
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.
Back to top
