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.

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.

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. 

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
  
  

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.

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.

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

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

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.