Free Delivery
On orders over £100
0% Interest free credit
Min spend £300
Book Video Appointments
England, Wales & Scotland
Trustpilot rated excellent
Over 170,000 reviews

0% interest free
finance available

  • Up to 3 years interest free finance options available for orders over £300
  • Payment starts after delivery has taken place
Finance calculator
Spread the cost using our 0% APR finance payment options and find a monthly cost that suits your budget with our finance calculator
How much in £'s'

Who can apply?

To be eligible to apply for finance you must:​

  • Be at least 18 years of age​
  • Have been a UK resident for at least 3 years
  • Have a debit or credit card in your name, registered to your address in order to cover deposit (if applicable)​
  • Have a Bank or Building Society current account available (you’ll need this in order to complete direct debit instruction)​
  • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment, or be receiving a pension or a disability benefit​

How to apply online?

Simply select ‘V12 finance’ as your payment method in the checkout. With all finance offers subject to acceptance.

  • Previous address if you’ve lived in your current home for less than 3 years
  • Bank details (bank details, sort code and account number)
  • Email address and contact telephone number
  • Your daytime and/ or your evening phone number and your work number – one of which must be a fixed landline telephone number
  • Email address and contact telephone number
  • finance icons
    0% interest
    free finance
  • finance icons
    No deposit
    Required online
  • finance icons
    Payment starts
    after delivery

Interest free credit offer representative example

Slumberland Halo Pocket 1400 Divan Bed Set
£109999Was £1,249.99

Finance from £55.00 a month*

Spread the cost using our 0% APR finance payment options and find a monthly cost that suits your budget with our finance calculator.

Months Payments Final payment Interest Total
6 £183.33 a month £183.33 0% £1099.99
10 £110.00 a month £110.00 0% £1099.99
20 £55.00 a month £55.00 0% £1099.99
*Price as of 02/09/2020
v12 logo

Who provides finance online?

It’s no surprise we are one of the fastest growing names in retail finance, we work with over 2,000 retailers, from national high street names to independent stores. We’ve used our expertise and intelligent technology to develop a retail finance offer which can flex with your individual business needs and deliver a great customer experience.​

  • UK based since 2003​​
  • Leading online lender in the UK​
  • Over 10 years of online finance experience​​

Instore finance

We offer finance instore via 2 providers; V12 Retail Finance and Creation Finance.


Can’t find what you are looking for?​

Need help?

We are here to help. Call us on 0808 144 6160,
email us

Alternatively contact V12 Finance on
02920 468 900