Interest Free Credit

0% Finance

Simple montly payments

Finance usually approved in
less than 20 seconds!*

All discounts applied before
the finance is calculatued.

We've all been there; you've got your eye on that sleek new road bike or shiny socket set, but your bank balance has other ideas. That's why, for a limited time, we're offering 0% finance on all purchases over 199 online with us. Arranging finance couldn't be easier - simply follow the easy steps below.

This page is designed to give you all the information you need about applying for finance, so have a look here if you have any questions about the application process.

How to apply for Finance

Choose your products. Just remember your basket total needs to be over 199.

Choose Finance at Checkout.

Complete the lender's online application form and wait 15 - 20 seconds for a credit decision.

Enjoy your new stuff!

Choose your products. Just remember your basket total needs to be over 199.

Choose Finance at Checkout.

Complete the lender's online application form and wait 15 - 20 seconds for a credit decision.

Enjoy your new stuff!

*Please note; In some cases the lender may need to look into your application in more detail and will return the decision as 'referred'. If this is the case you will receive an email with further instructions once the Credit Underwriting Team have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. The Credit Underwriting Department hours are between 8am and 8pm, Monday to Friday 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

Eligibilty Requirements


You'll need to be a
UK resident.


You need to be at least
18 years of age.

Montly repayments are needed
by Direct Debit.

Permenant income proven with
a full time job.

You have to have a bank account
in your name.

Eligibilty Detail

Finance Terms and Conditions

Finance is available on specified orders with a minimum loan amount of 199 and is subject to your status, please note that acceptance for finance is not guaranteed; see Eligibility for Finance.

We reserve the right to withdraw finance on certain products at any time.

Finance is provided through our external partner, V12 Retail Finance Limited ("V12"). If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12's parent company and which will be administered by V12.

V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

Eligibility for Finance

You'll need to be:

  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted.

*If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of income.

If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.

Finance can be used on eligible Click & Collect and Home/Work Delivery orders, simply choose finance during checkout.

Finance can be used in conjunction with other discounts and voucher codes.

If your application is declined

If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it may be for one of the following reasons:

  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.

If you wish to appeal the decision made by V12 Retail Finance, it's advised you obtain an up to date copy of your credit report before appealing directly to V12 Retail Finance. Due to data protection, all customer appeals must be via email to or for more advice, call V12 Retail Finance on 02920 468916

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).