12 Months Buy Now Pay Later

This Buy Now Pay Later loan agreement works as follows:

You pay a 10% deposit and make no further payments for 12 months.  As long as you pay the final balance in full before the 12 month deferred period expires you will pay NO INTEREST what so ever.  You only pay an arrangement fee of £45 once accepted for finance.

If you decide not to settle the outstanding balance in full before the 12 month Buy Now Pay Later period expires, you can simply continue to make your repayments monthly at an interest rate shown on the credit agreement.

Example:

Cash Price: £699.99

Deposit: £70

Arrangement Fee: £45.00

Amount of credit: £629.00

APR: 29.8%

36 Monthly Installments: £30.85

Total Payable: £1,210.60

NOTE: This is an interest bearing loan.  Should you not settle within the 12 months period you will incur interest charges as shown above.  However, if the amount is paid in full before the 12 months expires you will pay NO INTEREST!!  There is a £45 arrangement fee on all successful loan agreements.  This will be collected by V12 Finance. 

*Minimum spend £400.

9 Months Buy Now Pay Later

This Buy Now Pay Later loan agreement works as follows:

You pay a 10% deposit and make no further payments for 9 months.  As long as you pay the final balance in full before the 9 month deferred period expires you will pay NO INTEREST what so ever.  You only pay an arrangement fee of £40 once accepted for finance.

If you decide not to settle the outstanding balance in full before the 9 month Buy Now Pay Later period expires, you can simply continue to make your repayments monthly at an interest rate shown on the credit agreement.

Example:

Cash Price: £699.99

Deposit: £70

Arrangement Fee: £40.00

Amount of credit: £629.00

APR: 29.8%

39 Monthly Installments: £27.67

Total Payable: £1174.13

NOTE: This is an interest bearing loan.  Should you not settle within the 9 months period you will incur interest charges as shown above.  However, if the amount is paid in full before the 9 months expires you will pay NO INTEREST!!  There is a £40 arrangement fee on all successful loan agreements.  This will be collected by V12 finance. 

*Minimum spend £300.