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Buy today and pay later by selecting one of our flexible finance options.
Add any product over £99 to your basket and select either 'PayPal Credit' or 'Finance'.
Pick your plan. We offer 6, 12, 18, 24, 36 & 48 month plans. You can choose PayPal Credit or V12 Finance as the option in our checkout.
Fill in your details and complete your Application for credit. Interest is fixed at just 14.9%APR. If your application is successful you will need to e-sign your finance agreement as soon as possible to secure your preferred delivery date.
Flexible repayment options are available on all items over £99, making those big investments easier to manage.
And all it takes is a simple application form. You can choose to spread the cost over 6, 12, 18, 24, 36 or 48 months, at a rate of just 14.9%APR.
Here’s a table we’ve put together using a £500 purchase example, take a look to see how payments are broken down.
| Term | Provider | Representative APR (Fixed) | Min Spend | Deposit | Payments | Total Payable |
| 6 Months | PayPal Credit | 14.9% | £99 | No Deposit | 6 Months: £89.99 | £521.95 |
| 12 Months | PayPal Credit | 14.9% | £99 | No Deposit | 12 Months: £45.11 | £541.27 |
| 18 Months | PayPal Credit | 14.9% | £99 | No Deposit | 18 Months: £31.17 | £561.04 |
| 24 Months | V12 Finance | 14.9% | £500 | No Deposit | 24 Months: £24.22 | £581.27 |
| 36 Months | V12 Finance | 14.9% | £500 | No Deposit | 36 Months: £17.31 | £623.09 |
| 48 Months | V12 Finance | 14.9% | £500 | No Deposit | 48 Months: £13.89 | £666.72 |
The short answer is, you probably are! Our credit providers carry out credit checks and both have a few key requirements for offering finance, please make sure you meet these simple requirements
*minimum of 16 hours per week and also includes self-employed
That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.
You don't need much - if you are applying for PayPal Credit and already have a PayPal account then usually you'll just have a few questions to answer, if you don't have a PayPal account you just need to register with them. If you are applying for V12 finance then you just need a credit or debit card and your bank account details.
When you're applying for finance there is a possibility you could be declined. This can often be due toy one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card, PayPal Wallet or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.
Add any product over £150 to your basket and select 'Pay on Finance'.
Once you’re in the basket, choose the ‘Pay nothing’ option. Then, fill out the short application form and you’ll get an instant decision. You'll need to e-sign your "approved finance" agreement as soon as possible to secure your delivery date.
Before your 6 or 12 months deferred period ends, you can choose to pay in full, with a £35 settlement fee, or spread the cost over 42 or 36 months respectively paying monthly at 19.9%APR interest.
As long as your order comes to £150 or more, with Buy Now Pay Later you can take a nice long payment holiday.
That means no deposit and absolutely nothing to pay for up to 6 or 12 months. Repay the full amount of the credit together with a settlement fee of £35.00 at any time up to the date on which your first monthly instalment falls due or pay monthly over 42 or 36 months with a fixed rate of just 19.9%APR . And, it couldn’t be easier to apply, just fill out our short and simple application form when you check out.
| Finance Options | Representative APR (Fixed) | Deposit to pay | Payments | Total Amount Payable |
| Buy Now Pay Nothing for 6 months | 19.9% | No Deposit | 42 Months: £17.47 | £733.74 |
| Buy Now Pay Nothing for 12 months | 19.9% | No Deposit | 36 Months: £21.43 | £771.48 |
The short answer is, you probably are! Our credit provider carries out credit checks and has a few requirements for offering finance but please make sure you meet these simple requirements
* 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.
That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.
You don't need much - a credit or debit card, your bank account details and your employer details.
When you're applying for finance you always need to remember that there is a possibility you will be declined. This can often be caused by one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card, PayPal Wallet or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.
We've teamed up with V12 Retail Finance Limited ("V12") to offer you flexible and affordable options to pay on finance. V12 is one of the UK's leading providers of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550. Buy It Direct Limited of Unit A, Trident Business Park, Neptune Way, Huddersfield HD2 1UA is acting as a credit broker for V12.
PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, cardless revolving credit limit. If approved by PayPal Credit, the credit is accessible from your PayPal account, allowing you to manage your payments, view your balance and check your monthly statements online. There's no lengthy application to fill out, just answer a few quick questions, review and accept the terms and conditions and get a decision in seconds. If you are approved for a credit limit with PayPal Credit then you can use it for future purchases with other retailers. For more information you can visit PayPal's help page. Buy It Direct Limited acts as a broker and offers credit from PayPal Credit and a limited number of providers. PayPal Credit is a trading name PayPal (Europe) S.à.l.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.
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