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Finance Options

Finance Calculator

View our Finance Calculator here

Finance Options


During certain times of the year, we accept payment via finance options available through V12 Retail Finance. Finance agreements can be processed online when placing your order, or in-store by a member of our Sales Team.

Please note: Finance is only available on orders delivered to your home address.

Online Applications

Finance agreements can be processed online at checkout. When you select V12 Finance, the online calculator will show the available finance options based on your basket value. Finance options available include:

Up to 12 months Interest Free Credit (0% Typical APR) – Minimum Deposit 25%, Maximum Deposit 50%

  • 6 months interest free credit on orders over £1,000
  • 12 months interest free credit on orders over £2,000

Up to 48 months Lowest Monthly Payments (9.9% Typical APR) – Minimum Deposit 10%, Maximum Deposit 50%

  • 24 months interest bearing on orders over £750
  • 36 months interest bearing on orders over £750
  • 48 months interest bearing on orders over £750

Representative examples are shown below:

0% Interest Free Credit Representative Example: Cash price £2400. Deposit £600, interest rate 0% fixed, 12 monthly payments of £150. Representative 0% APR, total amount payable £2400.

Lowest Monthly Payment Representative Example 1: Cash Price £2,400, Deposit £240, interest rate 5.08% fixed, 24 monthly payments of £99.15. Representative 9.90% APR, total amount payable £2,619.60.

Lowest Monthly Payment Representative Example 2: Cash Price £2,400, Deposit £240, interest rate 5.13% fixed, 48 monthly payments of £54.24. Representative 9.90% APR, total amount payable £2,843.52.


Finance Provider and Related Information

Your finance agreement is provided by V12 Retail Finance*, one of the leading UK providers of retail credit solutions.

The interest free credit (0% APR representative) and interest-bearing credit (9.9% APR representative) advertised is provided solely by V12 Retail Finance. It is provided subject to acceptance and the terms and conditions of V12 Retail Finance. Written details on request. Licensed credit broker.

*V12 Finance Retail is the business name of V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

Gillies acts as a credit broker and will introduce you to V12 Retail Finance to complete your application for finance. We do not receive commission for any Credit applictions, successful or otherwise.

Finance Application Requirements

To allow a Finance application to be considered by V12 Retail Finance, there are a number of requirements:

  • You must be over 18
  • You or your partner must be in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit.
  • You must have been a resident in the UK for at least 3 years.
  • You must have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit
  • You must have a bank or building society current account available (you’ll need this to complete the direct debit instruction)
  • You must have an email address

Gillies will only process your order once you have completed the application process by E-signature and we have received notification of this from V12 Retail Finance. If the order is placed and we have not been notified of an E-signature within a 24-hour period, a member of our team will be in touch.

Cooling Off Period

Your 14-day cooling off period starts the day after your E-Signature is completed on the finance agreement.

Commencement of Repayments

Your finance repayments will begin within 30 days of delivery of your order. If your order is not fulfilled within 365 days of the date your E-Signature is completed you may need to submit a fresh finance application to V12 Retail Finance.