• Applicants must be aged between 18 and 75
• Be a permanent UK resident
• Have a valid debit or credit card
• Have a valid UK mobile number
• Have a valid email address

Yes. A credit check is performed to assess your eligibility and affordability.

V12 interest-free credit is available on products/services from £450 to £50,000. Credit is available for 6, 10 or 12 months term agreements.

Payment is collected via a Continuous Payment Authority (CPA). This method uses your long card number, expiry date and three-digit CV2 number. Payments will be collected automatically on the date your instalment is due.

The first step is to contact the retailer directly to cancel your order. If you have already received your order, you’ll need to arrange for it to be returned using the retailer’s returns process. The retailer will then contact us to confirm your order has been returned, so we can issue a refund and cancel your credit agreement.

We’re sorry that your application was declined. Unfortunately, we have no influence over the credit decision and we’re unable to find out why your application was denied. V12 is not permitted to share application information with us.

For any questions related to DivideBuy interest-free credit, please contact DivideBuy by email at hello@dividebuy.co.uk or use the live chat facility on their website www.dividebuy.co.uk. For a complete list of FAQs, please click here.

No. There are no APR or hidden charges. We do reserve the right to add late payment fees to your account in the event of you missing payments. This is all explained in your credit agreement before you electronically sign at the checkout process.

To manage your account and make payments, you can log in accounts.dividebuy.co.uk

If you have a product-related issue after your products have been delivered to your home, our Customer Experience team is the best team to contact first. Our experienced Customer Service advisors are here to help, and their aim is to provide the best and quickest solution for you.

Email - hello@modafurnishings.co.uk

Phone - 0161 683 0158

Post - Moda Furnishings c/o Giomani Designs Limited, Redman Fisher Building, Bean Road, DY4 9AQ

If you have any issues with your credit agreement after your products have been delivered to your home, you should contact V12 Retail Finance directly, who will help you manage your credit account and resolve any issues or complaints regarding your credit agreement.

Email - customerservices@v12finance.com

Phone - 02920 468 900

Post - V12 Retail Finance, 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ

You can find full details of our complaints policy here

The purpose of this policy is to ensure that Giomani Designs Limited is treating vulnerable customers fairly. We are committed to identifying, assessing and managing vulnerable customers in accordance with our own defined objectives and policy, as well as any regulations and guidelines set out by our regulators.  We aim to treat all customers, whom we define as being vulnerable, in a fair, clear and respectful manner.

You can find full details of our Vulnerable Customer policy here

Klarna is a global payments service that helps you buy the things you want or need. Right now, over 150 million people worldwide use Klarna at over 450,000 online stores.

Pay in 30 days is a credit product which lets you pay any time within 30 days of your purchase interest-free. You can make this payment using a credit or debit card on the Klarna app or by logging into www.klarna/com/uk. Klarna will send you a confirmation email once your order is confirmed with full details. You can see both past and future payments using the Klarna app.

Klarna’s Pay in 3 is a credit product that lets you spread the cost of your purchases over 3 equal interest-free payments. Klarna will take the payments from your debit or credit card directly so you don't have to worry about missing a payment. Klarna will take the first payment when you make the purchase, the second 30 days later and the final payment 60 days from your purchase date. You can see your past and future payments at any time using the Klarna app.

You need to be at least 18 years old and a UK resident to use Klarna’s credit products, including Pay Later in 30 days or Pay in 3. When you choose Klarna, they will also check the information you provide and your financial situation.

Yes, you can. If you see Klarna in the payments sections when you go to checkout, then it is available to you. Every time you use Pay Later in 30 days or Pay in 3, Klarna will check to see whether you can use the service again for each additional purchase.

Klarna offers Pay Later in 30 days or Pay in 3 based on a number of factors such as the purchase amount and previous order history. If you are 18 or over, you can improve your chances of being offered Pay in 30 days by ensuring you provide your full name, accurate address details and arrange shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for Klarna before does not mean it will be offered for every order. In turn, if your application for Pay in 30 days is denied, it does not mean it will be denied for future orders.

Yes. When you use Pay Later in 30 days or Pay in 3, Klarna will perform a credit search. This means Klarna will look at certain information in your credit report to decide whether to approve your purchase.

Payment information is processed securely by Klarna. No card details are transferred to or held by Moda Furnishings or Giomani Designs Limited. All transactions take place through connections secured with the latest industry-standard security protocols.

More about Klarna's services and how it works can be found here

Klarna T&Cs can be found here