Spread the cost interest free and pay in 3 instalments

Our Finance Providers

We are happy to offer our customers flexible payment options to match their budget to help them make their dream purchase a reality.

Choose between spreading the cost with interest free finance available on over 6 to 12 months, Need a little longer and choose between 24 month loan with 4.9% APR or 36 to 48 months with 9.9% APR

We also offer Klarna as an interest free payment option; choose from either pay 30 days after delivery or pay in 3 equal instalments.

V12 Finance
Minimum Spend £300
Available Credit Terms On Term length
Deposit 10%
Finance by Klarna
Minimum Spend Pay later: £50
Pay in 3: £99
Available Credit Terms Pay later (between £50 - £350): 30 days
Pay in 3 (between £99 - £750): 3 months
Deposit Pay later: No deposit required
Pay in 3: first of 3 instalments (33%)

V12 Finance

V12 finance enables us to offer you a wide range of finance options, helping you find the most affordable way to make your special purchases.

The following Interest Free Credit payment terms are available, each of which requires a minimum deposit of 10%:

Payment Term APR%
6,9 or 12 Months 0%
24 Months 4.9%
36 or 48 Months 9.9%

Get an idea of what your V12 finance payments will look like with these examples:

  Up to 12 Months 0% Interest Free Credit Up to 24 Months 4.9% Interest Bearing Credit Up to 36 Months 9.9% Interest Bearing Credit
Purchase Amount £1,000 £1,000 £1,000
Finance Term 12 Months 24 Months 36 Months
Deposit % 10% 10% 10%
Deposit £100 £100 £100
Amount of Credit £900 £900 £900
Interest rate (APR representative) 0% 4.9% 9.9%
Interest Amount £0.00 £44.10 £89.10
Total Amount Payable £900 £944.10 £989.10
Monthly Repayment £75 £39.34 £27.48

How to apply for V12 finance

Applying for V12 finance is quick and easy. The whole process takes just a few minutes and, in most cases, you will get an instant decision.

  1. 1


    Look for the 'finance calculator' on items over £300. Select your preferred term and deposit, then add the item to your bag.
  2. 2


    Ensure 'Pay by Finance' is selected in the Shopping Bag, then proceed to checkout and select your delivery option, after which you'll be taken to the V12 site to complete your application.
  3. 3


    You'll normally get a decision within a few moments.
  4. 4


    You will pay the 10% minimum deposit once your application has been Accepted
  5. 5


    We'll send your order to the address you selected during checkout.

If you choose to pay for your order using Interest Free Credit your order must be delivered to your billing address. Interest Free Credit is not available on orders delivered outside the UK.


Choose from two easy payment options; pay in 3 interest free instalments or pay 30 days after delivery.

There's no interest, no fees and no credit agreement.

Pay In 3

Available on orders between £200 - £1000, split your payment into 3 equal interest free instalments.

  1. 1

    Select Klarna Pay in 3 at checkout
  2. 2

    Your order will be split into 3 equal payments and you’ll pay the first part when you place your order.
  3. 3

    The two remaining payments will be taken at 30 and 60 days. You’ll be notified when a payment is due and when it has been collected.

Pay 30 days after delivery

Available on online orders between £75 - £300, get your order now and pay up to 30 days after delivery.

  1. 1

    Select 'Pay later' at checkout.
  2. 2

    Place your order and pay 30 days later for the items you keep.
  3. 3

    Klarna will send you payment instructions via email.