Finance Information

Are 18 or older
Are in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
Has been a resident in the UK or Jersey for at least 3 years
Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
Has an email address to receive the important information throughout the application process, including their signed credit agreement

Yes. There’s a set minimum so be sure to check your order so that it qualifies. To qualify for our 0% APR finance your order must be a minimum of £250 excluding fitting.

All of our carpets and underlay are eligible for 0% APR finance, as long as the order meets the minimum and maximum values.
Do you require a deposit?
What information do I need to supply?
How long will it take to apply?
What address can you deliver to?
What happens after my application is approved?
What happens if my application is not approved?
Am I able to pay off my finance early?
Does finance affect my ability to return goods?

No deposit is required on any of our options!

The application form asks for your name, date of birth, 3 year address history, phone and email contact details, income and employment information. If you are accepted you will also need a credit or debit card registered to your name and address as they appear on the application.

It takes around 5 minutes to fill out the form and you should get an answer to your application instantly. However in some cases V12 Retail Finance, our finance provider, will need a little more time to look at the application in more detail. You can fill out the application in-store or we can email it to you to fill out at home

We are only able to deliver your goods to the address on your credit agreement (your home address). You will not be able to have goods shipped to another address or collect the goods from us in person. However you can call V12 Retail Finance Underwriting to verify your alternative address.

After your application is approved, you will receive an email directly from V12 Retail Finance who will outline the next steps to follow to confirm your identity. We will then ready your order for delivery.

In the event that your application is not accepted, you are still welcome to pay with the conventional methods.

Yes. Simply contact V12 Retail Finance on 029 2046 8900 and they will calculate your outstanding finance and provide your settlement figure in line with the Consumer Credit Act.
The 0% offer can simply be paid whenever you’re ready, for no extra cost.

No, returns are still accepted according to our Terms and Conditions via our Customer Services department, who will contact the finance company on your behalf in this situation.  If the full order is returned, the credit agreement will be cancelled. If only part of the order is returned, the credit agreement will be adjusted accordingly.