Finance Terms & Conditions

Finance Options

We have 3 finance options available for online purchases. For customers placing orders between £30 and £2,000 there is PayPal’s Pay in 3. Customers can also use Klarna at the checkout to spread the cost and pay later. Or for orders over £350 there is the V12 finance option. Keep reading to decide which option is best for you.

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Klarna – Shop Now, Pay Later with Klarna

We’ve partnered with Klarna to give you a better shopping experience, with “Pay in 30 Days” and “Pay in 3 instalments” offered during your checkout. Simply select Klarna as your payment method and you’ll be taken to the Klarna checkout.

Klarna is only available for orders with a minimum spend of £100.

Exclusions apply. Terms and Conditions apply.

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PayPal – Pay in 3

Pay in 3 is as easy as 1-2-3:

  • Checkout with PayPal
  • Choose Pay in 3 and complete your purchase
  • Make the first payment now, then 2 more payments every month on the same date.

It’s interest free credit, you get a decision in seconds and it’s backed by PayPal.

*Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit, may not be suitable for everyone and use may affect your credit score. See product terms for more details.

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V12 Finance

You no longer have to wait to make that special purchase. Interest Free Credit gives you the ability to spread your payments over 6, 10 or 12 months. Explore our extensive collection of high-end products.

*Please note sale items cannot be purchased using the interest free credit option.

Things to keep in mind

  • If you choose interest free credit you will not be able to choose the click and collect option. All interest free credit orders must be delivered to your billing address.
  • Interest free credit is unavailable on sale items.
  • Stock will not be allocated until the application has been completed and approved.
  • We reserve the right to withdraw finance on certain products at any time.
  • Pay on Finance is provided through our external partner, V12. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12’s parent company.
  • Click & Collect is not available for finance through V12. Any V12 finance orders placed for Click & Collect will be cancelled.

How to apply for interest free credit

  1. Sign in or create an account.
  2. Select the item you wish to purchase and proceed to the checkout.
  3. Fill in your details and choose finance from the list of payment methods and complete your order.
  4. You will then be presented with the finance calculator. If successful you will be notified and prompted to complete the application by signing the agreement.
  5. Once approved, we will process and despatch your order as quickly as possible. You will receive a confirmation email once your order is on its way.

What if I cancel the credit agreement?

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

A little about V12 Retail Finance

We’ve teamed up with V12 Retail Finance Limited to offer you a flexible and affordable option to pay on finance. V12 is the UK’s specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc, administered by V12.

Who can apply for V12 finance?

  • Orders of £350 or more placed on our website.
  • Is 18 or older
  • Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in parttime work or in receipt of a disability benefit
  • Has been a resident in the UK for at least 3 years
  • Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
  • Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
  • Has an email address to receive the important information throughout the application process, including their signed credit agreement

Other conditions may apply and acceptance cannot be guaranteed.

Application timing & identity checks

You should receive an instant decision on your application. Some may require further review. If approved, you may be asked to verify your identity by authorising a small (50p) transaction on a card you own — this is only used to validate your details.

If my V12 application is declined?

Applications may be declined for a number of reasons (e.g., not meeting criteria, credit history). If this happens you can still complete the purchase using PayPal or a debit/credit card.