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Simple, Transparent Finance
We’ve made it easy to spread the cost of your furniture with no hidden fees or surprises.
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Instant Decision
Apply at checkout and get an instant decision online. Most applications are approved immediately.
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Safe & Secure
Provided by V12 Retail Finance, a trusted FCA-authorised lender. Your data is protected.
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Easy Application
Simple online process. Just select finance at checkout and follow the on-screen instructions.
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Flexible Payments
Choose your direct debit date and pay off early without penalties if your circumstances change.
Calculate Your Monthly Payments
See exactly what you’ll pay each month with our interactive calculator.
Choose Finance Type
Payment Period: 30 months
Your monthly payment
£0.00
Total to pay: £0.00
0% APR Representative
Credit is provided subject to affordability, age and status. Minimum spend applies. To apply for finance, please add the product to your basket, proceed through checkout and select Apply For Finance as your payment option.
Finance FAQs
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.
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.
We offer the below repayment terms:
- For orders with a minimum basket value of £1,000, the repayment term is 10 months at 0% APR finance.
- For orders to the value of or over £2,500, the repayment period can be increased to 20 months at 0% APR finance.
- For orders to the value of or over £3,000, the repayment period can be increased to 30 months at 0% APR finance.
- For orders with a minimum basket value of £1,000, 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.
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.
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.
If for whatever reason you miss a payment, you will be contacted by the V12 team to discuss the missed payment.
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.
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
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.
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.
After completing the application on the V12 Retail Finance website and your application has been approved, a minimum 10% deposit will be taken and held.
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.
Your monthly repayments will begin one month after your purchase has been delivered.
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.
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.
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.
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.
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.
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.
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.
Terms & conditions
Important Information
Finance is only available to UK residents aged 18+. Credit is subject to status and affordability assessment. Terms and conditions apply. Missing payments may affect your credit score and result in additional charges. Early repayment is allowed without penalty. Please note that gift cards are not included in finance agreements and cannot be purchased using finance.
FCA Disclosure: DPS Distribution Limited T/A Danetti is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our firm reference number is 792293. DPS Distribution Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
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 - customercare@danetti.com
How long will it take?
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 third 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 third 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.
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
Email: complaint.info@financial-ombudsman.org.uk
Further information can be obtained from the Financial Ombudsman Service’s website at www.financial-ombudsman.org.uk
Our staff are trained to identify vulnerable customers and to provide the additional level of assistance and support they may require in order to achieve a good outcome. However, it is not always easy to recognise these characteristics. Therefore, if you believe you meet the criteria for a vulnerable customer, please notify us as soon as possible of your particular needs. You are encouraged to do this when you first make contact with us.
When we believe we may be engaging with a vulnerable customer, whether this is through our identification or you are approaching us, we will:
- Immediately make a record of this and ensure we adhere to this policy
- Proactively listen to what the customer is advising and look out for triggers or clues to vulnerability
- Take time to understand the reasons behind any difficulties the customer may be facing, such as job loss, illness, divorce, or learning difficulties in order to help to understand what the best option or outcome for the customer is
- Set expectations clearly – whether this be over the duration of the call or face to face within our Showroom. It is useful to set expectations at the earliest possible stage
- Speak very clearly and if required slow down and be patient and empathetic, be prepared to repeat or allow time for the person to make notes or agree to confirm in writing
- Clarify understanding at trigger points by asking questions such as ‘is there anything else you would like me to repeat or explain?’
- Ask if there is anybody with you who is able to assist. If not, and we believe this will be beneficial, we will make arrangements to continue with the subject matter at another time
- Offer you the opportunity to complete the transaction after a period of further consideration
- Where vulnerability is identified, this will be recorded accurately, sensitively and regularly reviewed for relevance
- If deemed necessary, the Danetti team member will pause the finance application and pass the customer onto the specialist support team within V12.
How to register as a vulnerable customer
Phone: 020 3588 1380 (Mon – Fri 9.00am – 5.30pm)
Email: customerservice@danetti.com
In writing: Danetti, Octagon House, Phoenix Business Park, John Nike Way, Bracknell, RG12 8TN
Finance provided by V12 Finance
At the forefront of retail finance for over 20 years.
V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA). All finance applications are subject to status, age, and affordability checks.
Need help with your finance application?
Email: customercare@danetti.com or Phone: 020 3588 1380
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