Transform your home and garden by spreading the cost of luxury with our 0% finance options. To offer you more options when you shop with us, we've teamed up with V12 Finance to bring you a range of flexible interest-free credit plans for up to 12 months. Our options are available on Home Furniture, Garden Furniture and Accessories with an individual set or item value over £1,500 and can be used online, over the phone or in our showrooms. Get in touch today to find out if you are eligible for our interest-free finance options, or view below for more information.
V12 Interest-Free Finance Information
SPREAD THE COST OF YOUR FURNITURE WITH INTEREST-FREE FINANCE
| TERM | MINIMUM FINANCE AMOUNT | MINIMUM FINANCE DEPOSIT | MINIMUM SPEND ON FURNITURE | MAXIMUM FINANCE AMOUNT |
|
6 Months |
£1200 |
20% of order value |
£1500 |
£15,000 |
|
10 Months |
£1200 |
20% of order value |
£1500 |
£15,000 |
|
12 Months |
£1200 |
20% of order value |
£1500 |
£15,000 |
AVAILABLE ON...
Select full price home and garden furniture and accessories over £1,500 from:
The Windsor Collection
Luxury Dining Furniture
HOW DO I APPLY?
APPLY ON OUR WEBSITE
Completing your application online is simple and straight forward.
APPLY IN ONE OF OUR SHOWROOMS
If you would prefer, you can visit one of our showrooms to complete the application with you in store you will need to bring a current bank card and know your personal, address and employment details.
APPLY OVER THE PHONE
Call our Furniture Experts on 020 8804 7474 and they'll guide you through the application process.
AM I ELIGIBLE?
If you're applying for V12 finance, you must:
- Be purchasing an item or set with a minimum value of over £1,500.
- Be at least 18 years of age.
- Have been a resident in the UK for at least 3 years.
- Be in regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment*.
- Have a credit/debit card in your name and registered to your address
- Have a Bank or Building Society current account available. You will need this in order to complete Direct Debit instruction.
*If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.
Please note that our finance agreements are only available in mainland UK. Late repayment can cause serious financial ramifications. For help, please visit moneyhelper.org.uk.
0% FINANCE REPRESENTATIVE EXAMPLE
| SPEND | 20% DEPOSIT | 6 MONTH REPAYMENTS | 10 MONTH REPAYMENTS | 12 MONTH REPAYMENTS |
|
£1500 |
£300 |
£200 per month |
£120 per month |
£100 per month |
|
£2000 |
£400 |
£266.66 per month |
£160 per month |
£133.33 per month |
|
£3000 |
£600 |
£400 per month |
£240 per month |
£200 per month |
|
£4000 |
£800 |
£533.33 per month |
£320 per month |
£266.66 per month |
|
£5000 |
£1000 |
£666.66 per month |
£400 per month |
£333.33 per month |
FREQUENTLY ASKED QUESTIONS
Is there a minimum spend and what collections is finance applicable for?
Our interest-free finance options are available on Home Furniture, Garden Furniture and Accessories with an individual set or item value over £1,500. Finance options cannot be used for pieces that have been discounted.
How long does it take to apply online?
Our online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we can't give you an instant decision, you will be notified on screen as part of the application process and by email, with a follow up email as soon as a decision is confirmed.
How much can I borrow?
You may borrow up to £15,000. The minimum finance amount is £1000.
Is a deposit required?
Yes, a minimum 20% deposit will need to be paid upon acceptance.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday deliveries can be arranged if this is more convenient for you.
Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process.
Can I pay my agreement off early?
Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance for details by phone, e-mail or letter at the following;
Telephone: 029 2046 8900
Email: customerservices@v12finance.com
Address: V12 Retail Finance Limited, 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.
When will my first payment be taken?
Your first payment will be taken 28 days after your new furniture is dispatched. Your finance will not ever be released earlier than this day so if for any reason your furniture is delayed you will not pay any finance payments until 28 days after the furniture is dispatched.
Can I change my payment date?
Yes you can change your payment date by call V12 Retail Finance on 029 2046 8900.
How do I ask a question about the credit agreement?
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call V12 Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.
ORDER RETURNS
Please note when considering returning items bought with Interest-Free Credit, the order must be returned in full to Bridgman. This means that if, for example, you have purchased three items through Interest-Free Credit but would like to return one of those items, then all three items must be returned to us.
DECLINED APPLICATIONS
If your credit application is declined, you will receive notification via email from our credit partner, V12 Finance, with further instruction on how to dispute the decision. To dispute the declined application you can contact V12 Underwriting Department by emailing underwriting@v12finance.com or please call 029 2046 8916 Monday to Friday 8am- 8pm, Saturday 9am – 6pm and Sunday 10am – 5pm.
INFORMATION ON RE-APPLYING
Circumstances change and just because a previous V12 application has been refused, it does not mean that V12 will automatically turn down a further request. We do suggest however, that you leave at least six months between applications.
FINANCIAL DISCLOSURE
P J Bridgman Ltd is a licensed credit broker and not a lender. Your interest-free credit agreement is provided by V12 Retail Finance Limited, authorised and regulated by the Financial Conduct Authority. All credit is subject to application and status. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Address: Yorke House, Arleston Way, Solihull, B90 4LH.
