0% APR Finance Available
  • Klarna available

Thinking of choosing finance?

Finance Orders Will Only Be Sent to the Original Billing Address - You cannot have a separate address for delivery.

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with V12 whose technology lets you apply for and complete a loan application quickly, easily and informatively.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose V12. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!

Check your eligibility
You will only be considered for finance if you:

  • Are at least 18 years old, and in regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who's in regular employment.
  • If you are retired and receive a pension, or registered disabled and unable to work, we may ask for proof of sufficient income.
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a UK bank account capable of accepting Direct Debits
  • You are not currently bankrupt, subject to an Individual Voluntary Agreement (IVA), or have any County Court Judgments (CCJs)
  • Provide an email address so your documentation can be emailed to you.

Our payment plan options

We offer a range of interest-free 0%APR and interest-bearing finance options to help you spread the cost of your purchase over 6 to 24 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods. A minimum spend applies, Interest free Finance over 18 months requires a minimum spend of £1200.

Examples:

0%APR finance over 12 months

● Total order value = £600
● 10% deposit = £60
● Total amount of credit = £540
● Duration = 12 months
● Representative APR = 0%
● Interest charged = £0
● 12 monthly payments of = £45
● Total amount payable = £600

9.9%APR Representative finance over 24 months

● Total order value = £699.99
● 10% deposit = £70
● Total amount of credit = £629.99
● Duration = 24 months
● Representative APR = 9.9%
● Interest charged = £51.37
● 18 monthly payments of = £28.39
● Total amount payable = £751.36

 

*FINANCE IS SUBJECT TO STATUS. MINIMUM SPEND APPLIES.

Finance Decision

Your application will be assessed based on eligibility, credit history, and affordability and V12 will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a soft credit check is done and only once all security checks have been completed and your deposit has been paid will a hard credit check be made, which is recorded on your credit file.

Once approved, V12 will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan


Your first direct debit payment will be taken approximately 15 to 30 days after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Cancellation


There is a 14-day cooling-off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact V12 or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

Legal Information


Outdoor World UK LTD is authorised and regulated by the Financial Conduct Authority, register number 670238 and act as a credit broker and not a lender. Finance is provided through the V12 platform by Secure Trust Bank PLC. Secure Trust Bank PLC is authorised and regulated by the Financial Conduct Authority. V12 act as a credit broker and not a lender. They are registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 679653. Credit is provided subject to age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

Complaints Procedure

Procedure as follows:

Complaints Procedure - Making a complaint

- Emailing us at [email protected] A manager will be responsible for receiving this correspondence and directing it to the appropriate person

- By telephone (01924 265457 option 2) Customer Services

We shall advise potential complainants:
- how to submit a complaint
- who the contact person is in our business
- how we will deal with the complaint
- how we will advise the outcome of the complaint

All complaints will be resolved within 7 working days.

If you compliant hasn't been resolved to your satisfaction, you are entitled to raise a compliant with the Financial Ombudsman Service (FOS), please find the web link below -

How to complain (financial-ombudsman.org.uk)

CONTACT
TEL: 02920 468900

EMAIL: [email protected]

CORRESPONDENCE & TRADING ADDRESS:
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ

REGISTERED ADDRESS

V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH