Speak to a member of the team on 0161 273 5331

Interest Free Credit

If you are looking to spread the cost of your purchase, we offer up to 12 months 0% APR interest free credit on any orders over £1500. The finance available to you will be dependent on the total value of your order, which doesn’t include delivery.

The finance loan is provided by V12 Retail Finance Limited and is subject to status.

Frequent Finance Questions

Do I need to pay a deposit?
Yes. When buying online, you’ll be asked for a 30% deposit to be paid at the time you place your order.

How do I choose to pay by interest-free credit?
Simply select the interest-free credit option (V12) at the checkout, pay the 30% deposit and complete your application or let your sales consultant know if you’re buying over the phone and they take a deposit payment and email you a link to complete your application.

How long is the repayment period?
Your repayment period is 12 months. When buying online, the options will be made clear as you proceed through checkout. If you are buying over the phone, your sales consultants will let you know what your options are.

When do my repayments start?
Your monthly repayments will begin around 4 weeks after your purchase has been delivered or collected.

Are there are any arrangement fees or hidden extras for credit?
No. You won’t pay a penny more if you choose the interest free credit option. You can make overpayments or pay off your agreement early without any charges.

Finance Terms & Conditions

If your application is successful, you’ll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.

During promotional periods, we may offer an interest-free credit product over 12 or 24 month terms, at our discretion.  To be eligible to apply for finance, you must be aged 18 or over, in regular employment and have been a UK resident for years or more. Other conditions may apply and we can’t guarantee that your application will be accepted. Stock cannot be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, V12. If your application is successful you’ll enter into a credit agreement with Secure Trust Bank Plc; V12’s parent company.

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Buy Now Pay Later and Interest Free finance options may be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

Who is eligible for finance?

Finance is available on orders of £1500 or more, placed on our website or in our store. This amount excludes any premium delivery options selected at our checkout.

You’ll need to be:

  • 18 years or over.
  • A UK resident for 3 years or more and a permanent UK resident
  • Be able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who’s in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted. * If you are retired and receive a pension, V12 Retail Finance may ask for proof of sufficient income.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful or not. In some cases, V12 – our third party financial services provider – will need to look at the application in more detail before making a decision on acceptance.

What do I need to apply?

You simply need to add all the items into a basket and select ‘Pay With Finance’ at the checkout, you’ll then need to pay the 30% deposit payment and complete the online application form and finally add an electronic signature.

It’s important you use your full name and address details and make sure nothing is mistyped.  Please note, this is an online only finance option.

If your application is successful, you’ll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No monies will be taken from your card,  the details are purely used to check your identity.

What happens if my application is turned down?

Applications may not be accepted for various reasons, including mistyped details, or not meeting the lenders requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still purchase the item in full with PayPal or with a credit or debit card. Stocktons is not liable to refund deposit payments made against declined finance applications.

If your application is declined, it’s usually for one of the following reasons:

  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.

If you wish to appeal the decision made by V12, it’s advised you obtain an up to date copy of your credit report before appealing directly to V12.
Due to data protection, all customer appeals must be emailed to underwriting@v12finance.com or for more advice, call V12 on 02920 468916.

Who are V12 Retail Finance?

A R Stockton & Co have partnered with V12 Retail Finance Limited (“V12”) to offer you a flexible and affordable option to pay on finance. V12 is the UK’s only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12’s parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. 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.

A R Stockton & Co Ltd Registered in England and Wales.  Company No. 526396
A R Stockton & Co Ltd acts as a credit intermediary offering credit products from V12 Retail Finance Limited. A R Stockton & Co Ltd is authorised by the FCA with credit licence number 759975
Credit is subject to age and status.

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