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Furniture Finance

V12 Retail Finance

We offer both 0% APR and 9.9% APR Representative finance options that let you easily spread the cost of your purchase. Subject to age and status, minimum spend applies. 

Our 0% APR finance option will mean you’ll pay no more than if you were to pay the full amount in one go. Instead, you can spread payments over 12 or 24 months,.

To be eligible for 0% APR finance, your basket value must qualify as follows:

  • On orders from £1000 over 12 months.

  • On orders from £2500 over 24 months.

Our 9.9% APR representative finance option will means you can spread payments over a longer term of 36 or 48 months, reducing your monthly payments for more affordability.

To be eligible your basket value must qualify as follows:

  • Your orders must have  a basket value of over £1000 and no more than £25,000.
  • You will need to pay a 10% deposit

Representative Finance Example

Finance Option

Classic Credit 36 Months 9.9%

Deposit Amount


Monthly Payments


Purchase Price


Deposit To Pay


Amount Of Credit


Amount Of Interest


Number Of Monthly Payments


Total Amount Payable


Rate Of Interest (Fixed)


APR Representative


Only available to UK residents, subject to age, status and affordability. To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.

How does V12 Retail Finance work?

Applying for finance is far easier and more convenient than you may think. When at the payment stage of our checkout, you’ll be able to select a V12 finance payment option. Then, simply follow the instructions on screen.

Your online credit application will be created by our service provider V12 Retail Finance and their application system. The data you enter during the checkout process is then securely passed to V12, supplemented by additional information collected during the credit application process.

Once your finance application is approved, you will then be advised of how to sign the finance agreement. You’ll also receive an email confirming these details. Please read the agreement carefully checking that all the details are correct, then  electronically sign the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched. It’s that simple!

Am I eligible for Finance?

Before you start your application, it’s a good idea to check if you are eligible for finance. We’ll need you to be:

  • is 18 or older

  • Is, or their 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

  • has been a resident in the UK for at least 3 years

  • has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit (if applicable)

  • has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse / partner in order to process your application.

Will a deposit be taken?

Yes. When you provide your card number at the checkout, we will take a 10% deposit. We will hold the stock for you whilst you process your application and until your finance is approved. 

Can I request delivery to an address other than my home?

No. In order to safeguard against fraudulent applications, we're able only to deliver goods when the billing and delivery address are the same. Orders with a different delivery and billing address will not be processed. Please also note that V12 Finance is only offered to UK customers with goods being delivered to UK addresses.

Are there any arrangement fees or hidden costs?

The great thing about 0% APR finance is that you pay no more than the total price of your order. There are no arrangement fees or hidden extras.

With our 9.9% APR representative option, there are no hidden fees but you will be required to pay interest on your payments depending on the product you choose.

Can I choose my repayment period?

We offer four repayment terms:

  • For orders with a minimum basket value of £1000, the repayment term is 12 months at 0% APR finance.
  • For orders to the value of or over £2500, the repayment period can be increased to 24 months at 0% finance
  • For orders with a minimum basket value of £1000, we offer 9.9% APR representative finance at 36 or 48 months.

Orders under £1000 will not qualify for finance. If you change your order and it falls below this threshold, your loan will be cancelled and we will require full payment.

When will my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Will paying by finance delay my delivery?

Your products will be allocated to your order when your completed application is agreed and signed. The only time paying by finance may affect your chosen delivery date is if you apply outside working hours or if your application is referred, as a member of the V12 team may need further information from you. If a new date for delivery needs to be arranged, our customer care team will be in contact with you.

Will I be able to change my direct debit date?

After your first payment has been made, you may contact V12 directly to change to a more convenient payment date. The first time you do this will be free of charge but any further changes will incur an additional cost. V12 asks that you make the request at least 5 working days before your payment date is due.

What if I want to change my order?

If you want to change your order, you have 30 days from the date of your accepted application to amend it. Please get in contact for us to discuss the options available to you. A further credit check will be required if your order value is increased by over £50.

What if I want to return my order once it’s been delivered?

If you’d like to return your items, please contact us so we can discuss this. If we accept that the good(s) can be returned, we will contact V12 on your behalf to alter your finance agreement. It can take between 1 to 2 days to correct the finance terms agreement. Refunds can take between 3 to 5 working days.

What happens if I miss payment?

If for whatever reason you miss a payment, you will be contacted by the V12 team to discuss the missed payment.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. Please read the agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the finance agreement, we will be notified and that’s it! You need to do nothing more.

If you choose to print and return your agreement you will need to print and sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

My application has been referred, what now?

A referred application means it has a temporary status. You will be contacted by V12 to inform you of an accepted decision, a declined decision or with a request to provide further information. Until the information requested by V12's underwriters is provided a final decision will not be made on the application.

What happens if my application is declined?

If you are declined during the credit application process you will be shown the decision by V12, along with a decline letter. You’ll then be redirected back to the the Danetti website. If you’d like to speak with one of our team about a decline notification please get in contact.

Why has my application been declined?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

1. Your credit score (please note that every finance company will score you differently)
2. Adverse credit reference agency information
3. You are considered to be overcommitted
4. You are aged under 18
5. Your existing account performance with other lenders

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them, for instance, this could include your payment history and outstanding balances on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • Callcredit Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Can I reapply if my application is not successful?

Yes. We fully understand that circumstances can change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

If I need help with my order, who can I contact?

If you have any further questions or need some help with your order, give us a call on 020 3588 1380.

Credit subject to status and affordability. Terms & Conditions Apply. Danettiacts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. 

Key Terms


The annual percentage rate associated with each of the financial products determined by Danetti and V12.

Cash Price

The total amount of good and services (e.g. shipping/or warranty) to be financed.

Deposit amount

The cash amount the customer pays to the retailer by credit/debit card, subtracted from the total amount for the purposes of the loan calculation.


The customer can choose the terms offered which have been aggressed by Danetti and V12.

Total payable amount

The sum of all the monthly instalments due, plus the deposit amount.


Our Complaint Procedure Step-by-step complaints procedure

If you’re not completely happy with our service we’d like to hear about it so we can do something to put it right.

We do everything we can to make sure our customers get the best products and service possible, however, sometimes we understand that we may not get things right. If this happens, please let us know.

We want to:

  • make it easy for you to tell us what went wrong;

  • give your complaint the attention it deserves;

  • resolve your complaint without delay; and

  • Provide you with the right outcome to your complaint

    How & where to complain:

    If you are not satisfied with any aspect of our service or products you can tell us in the following ways:

    In writing – write to us at the address overleaf and address your letter to Customer Care Department.

    By telephone – call us on 020 3588 1380 during our office hours and ask for the Customer Care Department.

    By email – How long will it take?

    We always aim to resolve complaints in a timely manner and to the satisfaction of all concerned. We endeavour to resolve complaints quickly, through thorough investigation.

Please see timeframes below:

  • If we are able to resolve a complaint within 3 business days, we will issue the complainant with a summary resolution letter detailing our resolution and advising the customer of their right to refer the complaint to the Financial Ombudsman Service.

  • For every complaint received that cannot be resolved within 3 business days, we will issue the complainant with an acknowledgement letter within 5 business days, along with a copy of our complaint’s procedure.

  • We will advise the complainant on each communication when they can expect to hear from us next

  • If after 4 weeks we are still not in a position to resolve a complaint, we will issue the complainant with a ‘4 week holding letter’ advising why we are not yet in a position to resolve the complaint.

  • We will endeavour to resolve complaints in a timely manner and within 8 weeks as a maximum.

  • If we cannot resolve a complaint within 8 weeks then we will remind complainants of their right to refer their complaint to the Financial Ombudsman Service (see final response letter templates).

  • All complaints received and resolved will be recorded so we are able to identify trends and make the necessary business changes to improve the services to our customers and prevent repeat occurrences.

  • If a 3rd party is solely responsible for the complaint or the reasons for the complaint, we will refer the complaint to them within 5 business days and write to the customer to make them aware of this.

  •  If a 3rd party is jointly responsible for the complaint with us, we will refer the complaint to them within 5 business days, write to the customer to make them aware of this, and then investigate and handle the complaint points relating to us as per our normal process.

    If we cannot resolve your complaint

    If we are unable to resolve your complaint within 8 weeks, we will:

    - Send you a letter explaining our reasons for the delay and an indication of when we expect to provide our final response

The Financial Ombudsman Service

Our aim is to resolve all complaints internally. However, if after receiving our final response letter, or if eight weeks have passed, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). Their contact details are shown overleaf.

Financial Ombudsman Service

If you would like the Financial Ombudsman Service to look into your complaint you must contact them within six months of the date of our final response letter.

The Financial Ombudsman Service Exchange Tower
London, E14 9SR

Telephone: 0800 023 4567

Further information can be obtained from the Financial Ombudsman Service’s website at

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