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INTEREST FREE CREDIT

Buy today with up to 1 years 0% APR interest free credit.
In order to help you spread the cost of your furniture at no extra cost, we’re delighted to be able to offer interest free credit when you buy over the phone or in-store.*

Why wait? Online, we offer an immediate 0% credit decision from the comfort of your home.

We understand that it’s frustrating to have to wait when it comes to credit applications. To avoid the hassle of waiting, we are able to offer an electronic credit decision within minutes. 

Pre-check Criteria:

  1.  At least 18 years old.
  2.  Permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed.
  3.  Has been resident in the UK for at least 3 years and will continue their residency in the UK.
  4.  Has a debit or credit card in their name and registered to their address (you’ll need this to match the address used to complete the identity verification).
  5.  Has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction).

Step One

Add any product over £100 to your basket and select  'V12 Finance' at the payment stage in our checkout.

Step Two

Pick your plan. We offer different plans with our V12 Finance option in the checkout. Click the one best suited to your needs (See below details of different options available) and confirm order.   

Step Three

You will be redirected to V12 Finance Website, Fill in your details and complete your Application for credit. Interest is fixed at just 19.9%APR with V12 Finance, which you can select in the basket. If your application is successful, you will need to e-sign your finance agreement as soon as possible to secure your preferred delivery date.

We will send you confirmation of your order on email. 

Application Referred - the decision will be provided within 10 minutes. In a small numbers of cases, it may take 2-3 hours to do additional checks.  

Application declined - you have the option to continue with the order by paying by credit/debit card – just contact with us accounts.ahinteriors@hotmail.co.uk, otherwise your order will be cancelled.

Below is Example of different finance options available. Let`s suppose you have added a product to the basket value of which is £725.

Option 1: Interest Free Finance (6 Months)

This is a £725.00 loan, your monthly repayments will be £120.84 for 5 months and a final payment of £120.80. The total amount payable is £725.00. The cost for credit (interest and charges) is £0.00. APR 0.00% representative.

APR

0.00%

Instalment Amount

£120.84/month

Repayment Term

6 months

Total Interest Charged

£0.00

Deposit Amount

£0.00

 

Option 2: Interest Free Finance (12 Months)

This is a £725.00 loan, your monthly repayments will be £60.42 for 11 months and a final payment of £60.38. The total amount payable is £725.00. The cost for credit (interest and charges) is £0.00. APR 0.00% representative.

APR

0.00%

Instalment Amount

£60.42/month

Repayment Term

12 months

Total Interest Charged

£0.00

Deposit Amount

£0.00

Option 3: Buy Now Pay Later 12 Months

This is a £725.00 loan, and your monthly payments will be £31.07 for 36 months. There is a deferred period of 12 months on your loan, making your total term 48 months. Should you choose to settle the balance in full within this period you will pay NO INTEREST. There is NO arrangement fee, which you will be required to pay upon approval of this loan. There is a settlement fee of £29.00 if you pay off your entire balance within the deferred period. The cost for credit (interest and charges) is £393.52. APR 19.90% representative.

APR

19.90%

Instalment Amount

£31.07/month

Repayment Term

36 months

Total Interest Charged

£393.52 (If Not paid within 12 Months)

Deposit Amount

£0.00

If paid in full within 12 Months (BUY NOW PAY LATER)

If you exercise the buy now pay later option, the amount payable will be £725.00 together with the settlement fee of £29.00 making a lot of £754 payable.

Option 4: Buy Now Pay Later 6 Months

This is a £725.00 loan, and your monthly payments will be £25.34 for 42 months. There is a deferred period of 6 months on your loan, making your total term 48 months. Should you choose to settle the balance in full within this period you will pay NO INTEREST. There is NO arrangement fee, which you will be required to pay upon approval of this loan. There is a settlement fee of £29.00 if you pay off your entire balance within the deferred period. The cost for credit (interest and charges) is £339.28. APR 19.90% representative.

APR

19.90%

Instalment Amount

£25.34/month

Repayment Term

42 months

Total Interest Charged

£339.28 (If Not paid within 6 Months)

Deposit Amount

£0.00

If paid in full within 12 Months (BUY NOW PAY LATER) If you exercise the buy now pay later option, the amount payable will be £725.00 together with the settlement fee of £29.00 making a lot of £754 payable.

 

Frequently Asked Questions >>

Am I eligible for finance? »

The short answer is, you probably are! Our credit providers carry out credit checks and both have a few key requirements for offering finance, please make sure you meet these simple requirements

  • Your order is £100 or more
  • You are 18 years or older
  • You are a UK resident, and have been for more than 3 years
  • You are in regular employment*, or permanently live with a spouse who is in regular employment*, or retired
  • Have a credit/debit card in your name that is registered to your current address
  • You have a good credit history, and have received no CCJs

*minimum of 16 hours per week and also includes self-employed

How long does it take to apply? »

That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.

What details should I have to hand? »

You don't need much - you just need a credit or debit card and your bank account details.

What if I'm declined for finance? »

When you're applying for finance there is a possibility you could be declined. This can often be due to one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.

About V12 Retail Finance

We've teamed up with V12 Retail Finance Limited ("V12") to offer you flexible and affordable options to pay on finance. V12 is one of the UK's leading providers of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) 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. Buy It Direct Limited of Unit A, Trident Business Park, Neptune Way, Huddersfield HD2 1UA is acting as a credit broker for V12.

Finance Terms & Conditions

During the application process V12 Finance or PayPal Credit may do a small authorisation charge (no more than 50p) against your credit or card to verify your identity, no money will be taken from your card however where there is a deposit for finance this may be reserved from your account, if you are declined for finance these funds will be unavailable for  up to 5 working days.

Pay monthly finance is available for: 6, 12 and 18 months using PayPal Credit; 24, 36 and 48 months using V12 Finance. To be eligible to apply for finance, you must be 18 or older, in regular employment, live with someone in regular employment, or retired, 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. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12’s parent company for 24, 36 and 48 months’ finance or PayPal Europe on 6, 12, 18 months finance. 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).

Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

Any other questions?

If there is anything at all you want to ask about our interest free credit offering, please don’t hesitate to call us on 01282 614323, Monday to Friday, 9:30am to 5:30pm.