We offer Interest Free Finance on all orders over £499.00

Representative Example

Product: Moissanite 18ct White Gold 1.00 Carat Single Stone Pendant
Price: £499.95
10% Deposit: £49.95
Finance Amount: £450.00


6 Months 0% 6 x £75.00 £450.00 £0.00
9 Months 0% 9 x £50.00 £450.00 £0.00
12 Months 0% 12 x £37.50 £450.00 £0.00

How To Apply For Finance

After choosing and adding an item to your bag, please proceed to the checkout page.

Next choose the Checkout Securely option.

Enter your delivery details and proceed to the Order Summary.

The V12 Retail Finance option will then present itself as a Payment Method as below:

v12 interest free finance
Choose the V12 Retail Finance option and proceed to the Payment screen - You will then be transferred to the V12 Retail Finance application portal where your application can be completed.

Once the application is accepted and agreement received, a PayPal money request will be sent via email for payment of the required deposit.

Finance Terms

No administration fee's are payable on any of our finance schemes. Please note some products are not available with finance, each product page will inform you if finance is available on that item. In order to apply for credit, you must:

• Be at least 21 years of age
• Be one of the below:
◦ In full time employment (i.e. 16 hours, or more, per week)
◦ Self-employed
◦ Retired and over 50 years of age
◦ In receipt of an invalidity or disability allowance
• Have been a UK resident for 3 years or more
• Be able to make repayments by direct debit
• Provide your previous address if you have lived at your current address for less than 3 years
• Have an order value of over £499.00

Frequently Asked Questions

Who is my finance with?
Our finance scheme is provided by V12 Retail Finance.

Is a deposit required?
Yes, a minimum 10% deposit will need to be paid upon acceptance.

What length of repayment is available?
You can choose a 6, 9, or 12 month loan repayment period with our Interest Free Finance payment option.

How quickly will my application be processed?
In most cases you will know immediately if your application has been accepted or declined, however, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.

Can I have my order delivered to somewhere other than my home address?
To safeguard applications, orders that are being paid for by finance can only be delivered to your home address.

How are my monthly payments made?
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 the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

Can I pay off my loan early?
You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.