Furniture Finance

No, no deposit is required.

All monthly payments are paid by direct debit from your personal bank account. Typically, the first payment will be due one month after the date of delivery finance, subsequent monthly payments will be due every month for the length of your term on that day of the month.

The online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company, and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we cannot give you an instant decision, you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

Yes. A credit check forms part of the automated decision-making process.

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please check your online account management or call V12 Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.