Furniture 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. 

After completing the application on the V12 Retail Finance website and your application has been approved, a 10% deposit will be taken and held.

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.

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.

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

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.

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 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 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.

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

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.

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.

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.

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

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.

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.

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.

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 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.