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Finance Options Available

Buy today and pay later by selecting one of our flexible finance options. 

  • finance step 1

    Step One

    Add any product over £99 to your basket and select either 'PayPal Credit' or 'Finance'.

  • finance step 2

    Step Two

    Pick your plan. We offer 6, 12, 24, 36 & 48 month plans. You can choose PayPal Credit or V12 Finance as the option in our checkout.

  • finance step 3

    Step Three

    Fill in your details and complete your Application for credit. Interest is fixed at just 14.9%APR with V12 Finance, and 17.9%APR with PayPal Credit which you can select in the basket . If your application is successful you will need to e-sign your finance agreement as soon as possible to secure your preferred delivery date.

How does this work?

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 for longer term payments or 17.9%APR for shorter term using PayPal Credit.

Example of a £500 purchase

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 17.9%APR £99 No Deposit 6 Months: £87.74 £526.43
12 Months PayPal Credit 17.9%APR £99 No Deposit 12 Months: £45.50 £546.03
18 Months PayPal Credit 17.9%APR £99 No Deposit 18 Months: £31.88 £573.82

Frequently Asked Questions

Am I eligible for finance? »

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

  • Your order is £99 or more
  • You are 18 years or older
  • You are a UK resident, and have been for more than 3 years
  • You can make regular direct debit payments
  • You are in regular employment*, or permanently live with a spouse who is in regular employment*, or retired
  • Have a credit/debit card in your name that is registered to your current address
  • You have a good credit history, and have received no CCJs

*minimum of 16 hours per week and also includes self-employed


How long does it take to apply? »

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.


What details should I have to hand? »

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.


What if I'm declined for finance? »

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.


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