Finance Options

Credit: During certain times of the year, we are able to accept payment via Finance options available through V12 Retail Finance. Finance Agreements are applicable only to orders placed in-store and not currently available on our website.

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

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 Interest Bearing Credit (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.

Interest Bearing Credit 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.

Interest Bearing Credit 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. www.v12retailfinance.com

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.

Grampian Furnishers, as a trading name of 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 applications, 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 is, 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.
• Have a debit or credit card in their name, which is registered to their address, in order to pay for the deposit
• Have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)
• Have an email address

Grampian Furnishers 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 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.