Finance Options
Now you can spread the cost of buying beautiful furniture with our flexible finance options.
To apply for finance you can either use the finance options on checkout, or visit one of our stores where our advisers will be happy to take you through the short application process.
Do I need to pay a deposit?
Only a 10% deposit is required for the 9.9% APR Representative interest-bearing finance option.
What is the minimum amount I can borrow on Finance?
Our finance options require a minimum spend of £500.
When do I have to start paying?
Your monthly repayments start one month after your goods are delivered.
How do I apply for Finance?
You can apply for finance online by using the ‘Apply For Finance’ option at checkout, or in person at any of our stores.
To apply for finance you will need to:
- spend at least £500
- be at least 18 years of age
- have been a UK resident for 3 years or more
- be able to make repayments by Direct Debit
- be in regular employment* (minimum 16 hours per week), including self-employment or in permanent residence with your partner who is in regular employment
*If you are retired and receive a pension or are registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income
9.9% APR Representative
Minimum 10% Deposit Required
24, 36 & 48 Monthly Repayments
Minimum order spend £500
The 9.9% APR Representative loan requires no deposit and offers competitive interest rates, it also has the option of longer repayment periods, allowing you to spread the cost of purchase over a greater period of time (up to 48 months maximum). The 9.9% APR Representative loan requires a minimum spend of £500. Glasswells Ltd. acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance.
Calculate Repayments
Our finance calculator allows you to clearly see what your monthly repayments would be and the total cost of any interest payable on the loan.
You can change the deposit amount and switch between the different finance period options to see how these choices will change your monthly repayments and any interest that is being applied to the loan.
Use the calculator below to choose a deposit amount and finance package and reveal your finance payments.
Subject to affordability, age and status. Minimum spend applies.
Available deposit amounts:
£
- Total cost on finance:
£592.88 - With a £50.00 deposit
- And a £92.88 charge for credit
- Total amount of credit £450.00
- Your finance option is 9.9% APR representative
- Your annual rate of interest is 5.16% fixed
- Your finance term is 48 months
- Your monthly payment is £11.31
Your available finance options:
How to pay with finance:
Choose "Apply for Finance" from your Basket. For full details see our Finance Options page.
Interest at 9.9% APR Representative available for 24, 36 or 48 month periods (no deposit) available on purchases £500 and above. Representative example: 48 months credit at 9.9% APR representative, purchase price £500.00, £50.00 deposit – 48 equal monthly payments of £11.31, total cost of credit £92.88, total amount payable £592.88, 9.9% APR representative.
For full details see our Finance Options page.
Frequently Asked Questions
To apply for finance:
- You must be over 18 years old
- You or your partner must be in permanent paid employment, be self employed, retired and receiving a pension, be a working student in part time work or be in receipt of a disability benefit
- You must have been a resident in the UK for at least 3 years
- You must have a credit or debit card in your name, which is registered to your address in order to pay the deposit (if applicable)
- You must have a Bank or Building Society current account available (you'll need this to complete the direct debit instruction)
Glasswells Ltd acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. It is the UK’s only specialist retail finance provider. Its secure and friendly online system can provide you with a decision in seconds. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA.
Finance orders can only be delivered to the address given in your finance application.
You don’t start paying for finance until a month after the date your order is delivered.
Yes you can. Simply call V12 on 02920 468900 and they will help arrange this for you.
You can find the answers to most queries here. If you have any further questions then please do not hesitate to contact us.
FINANCE REPRESENTATIVE EXAMPLE
Up to 48 Months Credit
Interest at 9.9% APR Representative is available for 24, 36 or 48 month periods (no deposit) on purchases £500 and above. Representative example: 36 months credit at 9.9% APR Representative, purchase price £500, no deposit – 36 equal monthly payments of £16.01, total cost of credit £76.36, total amount payable £576.36, 9.9% APR representative.
A NAME YOU CAN TRUST
Your credit agreement is provided on behalf of Glasswells by V12 Retail Finance, who also supply finance for some of the UK’s best-known high street brands.
Glasswells Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 681379. Glasswells 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.
Head office address: Glasswells Ltd, Newmarket Road, Bury St Edmunds, Suffolk, IP33 3TU.
V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653
Registered address: V12 Finance Ltd, Yorke House, Arleston Way, Solihull. B90 4LH
Correspondance address: 25 - 26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
Credit is subject to status. Terms and conditions apply.
Please note, if you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.
