Turn your garden into a luxurious dining and social space without having to worry about the costs.

Pay nothing now with zero deposit and 0% interest-free credit.

You can now purchase your Moda furniture with no deposit and 0% interest-free finance for a limited time only. Spread your payments with a choice of payment plans to suit your budget:

  • 6 months 0% interest-free
  • 10 months 0% interest-free
  • 12 months 0% interest-free

It's really simple to set up. Select the 'finance' option when you checkout and follow the easy four-step process online.

So relax in your garden this summer without worrying about the costs.

* Minimum spend £1,000. Subject to status. Finance cannot be used with any discount offers but can be used on sale items for a limited period only.

Explore our range of garden, outdoor and patio furniture

Sets For Immediate Delivery

Fast Delivery Furniture

Fire Pit Table Sets

Fire Pit Table Sets

Outdoor Corner Sofas

Outdoor Corner Sofas

Outdoor Dining Sets

Outdoor Dining Sets

Frequently Asked Questions 

Is a deposit required?

No. You don't need to pay anything today and typically your first monthly payment is not due until one month after the date of delivery. We can also accept up to 50% of your total order as a deposit if you wish to lower your monthly payments.

Who are V12 Retail Finance?

UK-based since 2003 with over 10 years of online finance experience, V12 Retail Finance is one of the leading online lenders in the UK. They work with over 2,000 retailers, from national high street names to independent stores. It’s no surprise V12 is one of the fastest-growing names in retail finance. They also have a great self-service online portal where you can view your balance, keep track of your payment, and contact customer services directly so you can manage your account with complete peace of mind.

Will I be credit scored?

Yes. An external credit check forms part of the automated decision-making process. You should assess the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future. 

What do I need to qualify for credit?

To be eligible to qualify for finance you must:

  • At least 18 years of age
  • Have been a UK resident for 3 years or more
  • Have an active bank or building society current account so you can make repayments by direct debit
  • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment, or in receipt of a pension or disability benefit

I've completed my application, what happens next?

Once your finance application has been accepted, you are required to read and sign your loan agreement documents online. Once the documents are signed online, your order is complete and your new garden furniture will be ready to deliver.

How are my monthly payments made?

All monthly payments are paid by direct debit from your personal bank account. Typically, the first payment will be due one month after the date of delivery. Subsequent monthly payments will be due every month for the length of your term on that day of the month.

Can I pay my agreement off early?

Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Retail Finance for details by phone, e-mail or letter at the following;

Telephone: 029 2046 8900
Email: customerservices@v12finance.com

V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ

Can I cancel my credit agreement if I change my mind?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.

About our Lenders:
Finance is subject to status. From time to time, we may vary the terms of our finance offer at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply, and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Finance as a payment method is provided through our external partner V12 Retail Finance. If your application is successful you will enter into a Credit Agreement with V12 Retail Finance.

Status Disclosure:
Your interest free credit agreement is provided on behalf of Moda Furnishings by V12 Retail Finance, Moda Funishings are a credit broker and not a lender.

 V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

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