Then decide on a finance
option to suit you and click
finace button on checkout

After your details have
been submitted a decision
will be made in seconds!

Option 1 0% interest: Buy now pay later
With the exception of a 10% deposit, you can buy now, then pay nothing further for 9 whole months. What's more, provided you pay the outstanding balance before the BNPL period expires, you will pay no interest! Please note that if your application is successful, an arrangement fee of £25 will also be charged.

However, should you choose not to settle the outstanding balance in full before the 9 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement. The example below is for illustration purposes only.

TYPICAL 29.8% APR variable Example

Cash price £1000.00
10% deposit £100.00
Amount of loan £900.00
Total charge for credit £705.63
Total payable (less deposit) £1605.63
Total amount payable £1705.63
39 monthly repayments of £41.17
Balance payable £1605.63
Arrangement fee A one off £25 arrangement fee will be charged on all applications that are successful, even if the balance is paid within 9 month BNPL period.

Remember, provided you pay the outstanding balance in full before 9 months has expired, no interest will be charged.

Go Back to order product proceed to finance at checkout

Option 2: Low cost Classic Monthly payment plan over 36 months (APR 19.9%)
For customers who prefer to opt for a more traditional credit package, low cost classic finance options offer the ideal solution.

TYPICAL 19.9% APR variable example:

Cash price £1000.00
10% deposit £100.00
Amount of loan £900.00
Total charge for credit £275.40
Balance payable £1175.40
Total amount payable £1275.40
36 monthly repayments of £32.65
Remaining balance payable £1175.40

*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

Go Back to order product proceed to finance at checkout

TAKE A LOOK AT THE RANGE OF FINANCE OPTIONS AT CHECKOUT
Applying for V12 Finance is easy.

V12 Finance gives you the opportunity to own the things you really want today through the convenience of flexible finance options.

Who V12 Finance are:
The largest and best provider of automated retailer credit systems
Over 3000 retail customers and increasing
Our client base includes major blue chip retailers, e-tailers and mail order companies
more info see: http://www.v12finance.com/
What V12 Finance do:
Provide retail / promotional credit solutions
Integrated (online credit systems assimilate with your website, your trademark, appearance & style)
Giving credit decisions in seconds
Simple and fully supported implementation
Fully-automated credit systems - take care of all payments from application to settlement
Why you want to talk to V12 Finance:
Easy to apply
Customer friendly – quick and efficient and non-intrusive
Uncomplicated - your sales staff will have no problem understanding and operating the system
Quicker and more effective than traditional methods of credit application
More versatile and flexible
V12 Finance clients are those who have
Retail outlets
Mail Order
e-tail / online e-commerce
One or all of the above – the credit system works flawlessly at every point of sale

You’re in control.
With MNC you're in control. You will receive one simple monthly statement detailing all your transactions and with one monthly payment required. With some credit options, you can also vary your monthly repayment amount giving you more flexibility than a traditional loan agreement. If you are not happy with the finance agreement when you recieve the forms to sign throw them in the bin.

TERMS AND CONDITIONS
Credit subject to status to UK residents aged 18 years or over. Minimum spend amount may apply. Minimum credit limit is £299.99 maximum credit limit subject to status. The minimum monthly payment for Buy Now Pay Later and Optional Interest Plan will be 4% of the account payable balance or £4, whichever is greater, or the full balance if less than £4. Minimum monthly payments for Interest Free, and Spread the Cost credit options will be a fixed amount. Typical 29.9% APR variable.

Who is eligible to apply for online finance?
To apply for online finance, you must be between the ages of 18 and 75*, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of Eire. Homemakers aren't excluded from application under their own names, however the employment details of your spouse will be required in order to process your application.

If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. We do suggest however, that you leave at least 6 months between applications.

Are the goods I’ve ordered set aside for me until the approval process is complete?
Our system is such that goods are allocated to your order only when your completed and signed agreement is received back. This means there's a small chance that the product you ordered may be sold out by the time your agreement is received. To avoid disappointment, we recommend minimising any delay by completing and returning the agreement as soon as you can.