Interest Free Finance Explained

Whether you’re accepted for finance or not depends on many different factors. We try to make it as easy as possible, but there are just a few boxes you need to tick;

• You have to be over 18
• Be a permanent UK resident, with minimum 3-year address history
• Be in permanent regular employment (over 35 hours per week)
• Have a current account with a UK bank that accepts direct debits
• Finance must be applied for in the name of the individual that is taking the goods or services.
• The address of the applicant/purchaser must match the name and address given for the order. We can’t deliver elsewhere.
• V12 Retail Finance will carry out the relevant credit checks once you’ve completed your application

There is an almost instantaneous decision made, so you usually find out there and then after submitting your application.

Once selecting the V12 option during checkout you will be taken through to their application process and led through their easy step process which takes between 3-5 minutes, upon submitting a decision is provided usually straight away.

Yes, your order total needs to be over £350.

Yes, within the repayment timescales (6, 10 or 12 months) there is 0% interest accumulated on the payments.

Please note misspellings in the application will result in a declined applicaiton.

If you wish to appeal a declined application with V12 Finance, ensure you have on-hand an up to date copy of your credit report (through TransUnion, Equifax or Experian) before contacting V12 directly by phone on 02920 468916 or by email to [email protected]  V12 Customer Service is open Monday to Friday 9am-5pm, closed Saturday, Sunday and bank holidays (including Easter) until further notice.

Please get in contact with our customer service team [email protected], or call us 01173 322 689 . Please note all credit applications will leave a credit “footprint” on your credit history.

Please get in contact with our customer service team [email protected], or call us 01173 322 689 .

You chose whether you want the payments made over a period of either 6, 10 or 12 months. The payments will then be debited from your bank account on a monthly basis on the day of the month in which you have signed up, the rate is calculated as the total minus the deposit, divided by the number month plan you’ve selected.

We recommend you reach out to V12 Customer Service on 02920 468900 to discuss your options, or email: [email protected]

We recommend you reach out to V12 Customer Service on 02920 468900 to discuss your options or email [email protected]

A credit search occurs when a third party investigates your credit report. They’re looking to see how you manage your credit now, and how you’ve managed it in the past. This search may then be recorded on your credit report for other third parties to see. This is useful to lenders because if you’ve made multiple applications for credit recently, it could suggest to them that you have an urgent need for credit, which may suggest you will struggle to pay it back.

Please get in contact with our customer service team who will happily assist you: [email protected], or call us 01173 322 689 .

V12 will automatically email the agreement to the email address used throughout the order process. However, if you would like a copy to take away initially you can click the hyperlink shown at the last stage of the application process, and print the signed version as required. For any questions that arise, or if any issue is encountered along the way we encourage contacting the V12 Customer Service on 02920 468900.