Finance options with V12 Retail Finance
Interest free and interest bearing plans over 12 to 48 months, so you can create the home you love and pay in a way that suits you.
Credit subject to age, status, affordability and eligibility checks. Representative example available at checkout.
£500 – £15,000
Finance available on orders between £500 and £15,000, including delivery and additional services.
12 – 48 months
Choose a repayment term that suits you, with interest free and interest bearing plans available.
Decision in minutes
The paperless application takes under 5 minutes and you'll usually get an instant decision.
Deposit up to 50%
Pay a deposit of up to 50% of your order value to reduce your monthly repayments.
Our finance provider
We've partnered with V12 Retail Finance Limited (“V12”) to offer a range of options for paying for your new furniture. V12 is one of the UK's leading retail point-of-sale credit providers, with more than 20 years' experience and a fast, paperless application process.
If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc, V12's parent company. Your agreement will be administered by V12 Retail Finance Limited.
V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority in relation to regulated activities, under registration number 679653. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 204550.
Why we offer finance
We believe beautiful, high-quality furniture should be accessible to everyone. That's why we've introduced a range of interest free and interest bearing finance options — so you can create the home you love and spread the cost in a way that suits you.
With V12, you can spread your payments over 12 to 48 months on orders between £500 and £15,000. You can also choose to pay a deposit of up to 50% of the total value.
Applying is easy
- 01
Select your furniture and proceed to checkout.
- 02
Choose the V12 Retail Finance payment option.
- 03
Pick one of the available finance plans.
- 04
Complete the simple online V12 application and sign your agreement electronically.
If your application is accepted and you've chosen to pay a deposit, you'll pay it through V12 before signing your agreement. Your first repayment will usually be taken about 30 days after delivery.
Important notes
- Stock will not be allocated until your finance application has been completed and approved.
- Finance is provided through our external partner, V12 Retail Finance Limited.
- Finance may be withdrawn on certain products at any time.
- Minimum spend and eligibility criteria apply.
Representative examples & finance calculator
We want to make your finance options easy to understand. Our checkout includes a finance calculator, so you can see repayment amounts, terms and total costs before committing. Your acceptance will depend on your personal circumstances and V12's credit policies.
Frequently asked questions
Fees and charges
Fees may apply if you miss repayments, as detailed in your credit agreement.
Complaints
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your finance provider, V12 Retail Finance. V12 will acknowledge your complaint, investigate it thoroughly and issue their response within eight weeks.
If you are not satisfied with V12's response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of V12's final response letter to you.
- Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- Telephone: 0300 123 9 123
- Email: complaint.info@financial-ombudsman.org.uk
- Website: www.financial-ombudsman.org.uk
Your personal data
To process your application, V12 will collect personal, employment and financial information, and will share data with credit reference agencies. They will inform you of their privacy policy during your application.
Legal information
Urban Kandi Ltd, trading as The Designer Rooms, is authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender. FCA registration number: 655823.
We offer credit products from Secure Trust Bank PLC, trading as V12 Retail Finance. Credit is subject to age, status, affordability and eligibility checks. Minimum spend and other terms and conditions apply.