V12 REGULATED up to 48 months


Why wait to make that special purchase? Whether it's a gift, special occasion or a well-deserved treat, Interest Free Credit gives you the flexibility to spread your payments over 6, 9, 12, 18, 24, 36 or 48 months depending on the value of your order. All we ask is that you provide us with a minimum 10% deposit*.

If you're thinking of applying for Interest Free Credit, please be sure to read our complete guidance information below.

TermMinimum SpendMinimum Deposit
6 Months£30010%
9 Months£30010%
12 Months£50010%
18 Months£75010%
24 Months£1,00010%
36 Months£1,50010%
48 Months£2,00010%


o Interest Free Credit is unavailable on the purchase of Gift Cards.

o Unfortunately deposits for Interest Free Credit orders cannot be paid using Paypal.


Step-By-Step Guide

1. Having selected the item you wish to purchase, proceed to checkout and select 'Home Delivery'.

2. Next click 'Continue to Payment', selecting Interest Free Credit from the options and click 'Apply for IFC'. We have a number of terms available over 6, 9, 12, 18, 24, 36 or 48 months, you will only be able to select the payment terms applicable depending on the value of your order.

3. You will now be diverted to the application form for your Interest Free Credit plan. Enter all of the information that is applicable to you.

4. We will then ask you for your credit card details to confirm your identity and place the deposit for your order. Once you are happy with everything, click 'Place Deposit'. Unfortunately, deposits cannot be paid using Paypal or Gift Cards.

5. The finance company will process your application and once accepted, we will receive notification. We will ONLY despatch your order once we have received notification that your application has been successful.

Order Returns

Please note when considering returning items bought with Interest Free Credit, the order must be returned in full. 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 Credit 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.

The credit advertised is provided by one credit provider with whom we have a commercial relationship.


o If you choose Click and Collect you will not be offered Interest Free Credit as a payment option.

o All Interest Free Credit orders must be delivered to your billing address - this is the address your credit card is registered to and the address V12 Finance will review your application against.


If you're looking for the lowest monthly repayments so your dream purchase doesn't get in the way of your finances, then choose a 9.9% APR finance plan.

Interest-bearing credit is available on selected product and can be taken over 24, 36, 48 & 60 months to offer the most affordable monthly package on orders with a minimum value of £300.