Finance your Purchase
Spread The Cost Of Your New Shower With Our Interest Free Credit Options
For customers who prefer to spread their payments over convenient interest free installments, our finance options offer the ideal solution. With a number of products varying from 3-12 months credit and variable deposit options, you can be sure to find the solution to suit your requirements. Finance is available on all items priced at £250 or above. The process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an email advising you of how to download the finance agreement which needs to be electronically signed and returned.
In short our finance gives you the flexibility to purchase the new Insignia shower you really want now, by spreading the cost of your purchase over a repayment period that suits your budget.
Our finance is supplied by V12 Retail Finance, Part of the Secure Trust Bank family and is Authorised and Regulated by the Financial Conduct Authority.
Frequently Asked Questions
How to apply
Online (this website) – Please select Finance as your preferred payment method and you will then be redirected to the V12 Retail Finance website to complete your finance application. V12 Retail Finance will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.
How much can I borrow ?
The minimum lending amount in addition to the upfront deposit is £250. The maximum loan amount is £15,000.
Is a deposit required ?
A minimum of 10% of the purchase price is required. If your credit application is accepted, deposits are paid using a credit or debit card. Your chosen deposit amount is displayed in the credit summary throughout the credit application and on the credit agreement itself.
How are my monthly payments made ?
Monthly repayments will be taken via direct debit from your bank account. V12 Retail Finance will inform you of the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.
Which products can I buy on Finance ?
Any product listed on this website with a “Finance" payment option are eligible for finance.
What is the repayment schedule ?
You can arrange 0% finance for 3, 6, 9, 10, or 12 months.
How long before I have to start repayments ?
V12 Retail Finance will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.
How much does the loan cost ?
The total cost of the loan is shown on the finance agreement.
Can I pay off the loan 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.
Are there any other charges ?
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, V12 Retail Finance may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement. Standard information and Regulatory Status of Pay4Later and V12 Retail Finance. V12 Retail Finance is licensed by the Financial Conduct Authority.
How long does it take to apply ?
The online application takes a few minutes to complete and successful applications are processed straight away.
What are the requirements for finance ?
You must be a permanent UK resident and able to supply 3 years address history. You must have a UK bank account capable of accepting direct debits. The goods must be delivered to your home address and any deposit must be paid using a credit or debit card. Finance is subject to status and minimum spend applies.
Can I cancel the credit agreement ?
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 V12 Retail Finance notice in writing or by telephone or email.