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We've teamed up with V12 Retail Finance ("V12") to offer you a range of options to pay on finance. V12 is one of the UK's leading providers of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading technology and paperless systems. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12 Retail Finance Limited and V12 will receive a commission, the amount will vary depending on the product chosen and the amount of credit taken out.

V12 Retail Finance is authorised and regulated by the Financial Conduct Authority under registration number 679653. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

At Furniture And Choice we offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 10 to 24 months. The value of the loan needs to be over £350 with a minimum purchase price of £399, and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods. Just select the Pay on Finance option when you check out, choose one of the available finance products then complete the quick and simple V12 application form and sign your finance agreement. For successful applications your first repayment will be approximately 30 days after your delivery.

When you apply for finance with V12 your credit file will be hard searched. If your application is accepted and you have chosen to pay a deposit with your order, you’ll be asked to pay your deposit through the V12 system and then sign your finance agreement electronically. Once you have done this, we will be notified that you have successfully completed your application and we will process your order for delivery.

Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Finance is provided through our external partner, V12 Retail Finance Limited. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank PLC, who is the lender and V12’s parent company.


How to apply

Step 1

Add items to your basket and proceed to checkout.

Step 2

Select from the finance options available.

Step 3

Complete the V12 Retail Finance application form. You will receive an instant decision.

Step 4

Pay your deposit.

Step 5

Receive your order.

What you need to know

Who is eligible to apply for finance?

Finance is available on loans over £350 with a minimum purchase price of £399, and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods. This amount includes any additional services and delivery options selected. Discount codes or vouchers cannot be used in conjunction with any finance orders.

Check your eligibility:

You will only be considered for finance if you:

  • Are at least 18 years old.
  • Are in regular employment (minimum of 16 hours per week) including self-employment, retired or receiving a pension, working student in part time work or in receipt of a disability benefit, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have been a resident in the UK or Guernsey for at least 3 years.
  • Have a UK bank or building society account in your name and registered to your address to pay for your deposit (if applicable) and that accepts direct debits to make your loan repayments.
  • Have a valid personal or mobile phone number and email address.

* If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

Other conditions may apply, and we cannot guarantee that your application will be accepted.

*Please note:
  • Your application must be in your name only and delivery must be to your registered address - we cannot deliver to an alternative address.
  • If your application is declined, you have the option to continue with a credit or debit card payment.
  • Applications that have previously been rejected should not be re-proposed within a 3-month period.
  • We can only reserve your items once your finance application has been approved and your deposit paid.
  • You have the right to withdraw from your credit agreement within 14 days following receipt of your order. Full details on how to do this will be included in your agreement.

Understanding the numbers

We want our finance options to be as easy to understand and straightforward as possible. We've created the examples below to illustrate how much you'll pay back on selected products with our interest free and interest-bearing credit finance options. You can also understand the costs, terms, monthly repayments and key features of the finance options available to you further as you browse our products and at checkout by using our finance calculator. Your acceptance for finance if you apply will be dependent on your personal circumstances and V12’s credit policies.

Representative example (0% APR interest free)
Product price £1000, amount of deposit payable £100 (10%), loan term 10 months, monthly repayment £80.00, total amount payable £1,000.00, delivery price £0, total amount of credit £0, rate of interest 0% fixed. Cost of credit £0, representative Annual Percentage Rate: 0% APR

Representative example (14.9% APR interest-bearing)
Product price £1000, amount of deposit payable £100 (10%), loan term 24 months, monthly repayment £43.19, total amount payable £1,136.56, delivery price £0, total amount of credit £900, rate of interest 7.60% fixed. Cost of credit £136.56, representative Annual Percentage Rate: 14.9% APR

Complaints

On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us or the service you have received you may contact us at info@furniturechoice.co.uk or call us on 0333 015 0000.

If your complaint relates to your finance agreement

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your finance provider V12 Retail Finance. V12 will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What can I do if I can’t reach an agreement on my complaint?

If you are not satisfied with V12’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of V12’s final response letter to you.

They can be contacted in the following ways:

Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 0300 123 9 123
E-mail: complaint.info@financial-ombudsman.org.uk

Further details can be found on the Financial Ombudsman Service website:
https://www.financial-ombudsman.org.uk

Your personal or financial circumstances

It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, V12 Retail Finance and your lender will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact V12’s Customer Services Team on 029 2046 8900 or by emailing customerservices@v12finance.com. They are open Monday to Friday from 9am to 5pm.

If you find yourself struggling due to a change in your circumstances, please contact V12 Retail Finance and ask for their help.

Use of your personal data

In order to process your finance application, you will be asked to provide information about your personal, employment and financial situation. V12 Retail Finance shares your personal data with Credit Reference Agencies so that they can make a decision about whether to offer you finance. V12 will perform a hard search on your credit file to conduct their creditworthiness and affordability assessment to enable them to make their decision.

V12 will let you know where you can find more information about their privacy policy when you begin your application.

Legal information

Furniture Choice Limited trading as Furniture And Choice is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 719600. Furniture Choice Limited trading as Furniture And Choice 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.

Still have questions?

For any questions related to a finance agreement, please contact V12 Retail Finance. Their contact details will be provided throughout your application and on any communications, you receive about your finance application.

For any questions about placing an order on our website or an existing order, please contact us on info@furniturechoice.co.uk or call us on 0333 015 0000.


Still have questions?
Visit our Customer Help Centre

FAQs (27)

Who is eligible to apply for finance?

Finance is available on loans over £350 with a minimum purchase price of £399, and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods. This amount includes any additional services and delivery options selected. Discount codes or vouchers cannot be used in conjunction with any finance orders

How much do I need to spend to be eligible for finance?

Your total order value must be £399 or over.

Do I need to pay a deposit?

Yes, you'll need to pay a 10% deposit by credit or debit card when you place your order.

What does it mean when I see APR and Rate of Interest?

The 'rate of interest' is the cost you will pay each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is "APR stands for the Annual Percentage Rate of charge.

You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.

Will there be a credit search?

Yes, V12 Retail Finance performs a hard credit search, which will be recorded on your credit file.

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 consistent decisions to be provided, ensuring all 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 balance 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 long will it take to apply?

The V12 application form takes less than 5 minutes to complete, and you will get an instant answer on whether your application for finance has been successful. In some cases, V12 Retail Finance will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is select the products you wish to purchase, choose finance as your payment method at checkout, select your desired finance product and whether you want to place a deposit and then checkout. Upon checking out you will be redirected to the V12 platform to complete your finance application via their simple and quick online form. It's important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option and upon submitting your application your credit file will be hard searched.

If your application is accepted and you have chosen to pay a deposit with your order, you’ll be asked to pay your deposit through the V12 system and then sign your finance agreement electronically. Once you have done this, we will be notified that you have successfully completed your application and we will process your order for delivery in line with the delivery timescales you were shown at checkout.

What if my finance application is declined?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn't successful, you can still purchase the item or items you would like in full via PayPal or with a valid credit or debit card or any of our other payment methods. If your application is declined, it’s usually for one of the following reasons: you do not meet the eligibility criteria; adverse credit reference agency information; your credit score; you are considered to be overcommitted financially; or your existing account performance with other lenders.

You can also contact the Credit Reference Agencies if you think there is a mistake on your credit report:

Experian

Equifax

TranSunion

If my application is not successful, can I re-apply?

Yes. At V12 we acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

How do I find out more about the information in my credit agreement?

Before signing your credit agreement, you will be given some important documents that include key information about your loan. It is important that you read these documents and understand the information and key terms. If you have any questions about the information in your credit agreement before you sign it, V12 Retail Finance's customer support team can help - you can contact them at customerservices@v12finance.com or by phone on 02920 468 900.

Who should I contact if I have a question about my loan?

For any questions about your loan, such as your Direct Debit or updating your personal details, please contact V12 Retail Finance. Their contact details will be provided throughout your application and on all the communications you receive about your finance application.

How do I make my monthly payments?

During the V12 application process you will confirm your bank details for your repayments to be collected via direct debit. You can also make overpayments by contacting V12 directly or via your V12 self-service portal that you will be sent more information about via email once you have successfully completed your application.

When do my loan repayments start?

Your loan repayments will be to V12 Retail Finance and will start approximately 30 days after your goods have been delivered.

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

In order to safeguard against fraudulent applications, we are only able to deliver goods to your home address.

What if I want to amend my order?

If you have been approved for finance, the term cannot be amended but we may be able to amend the loan amount, however, please note you may not be accepted for a higher amount. You will need to call us on 0333 015 0000 or email us at info@furniturechoice.co.uk to amend the goods or services you ordered and you may need to complete a new application for finance. Please note we cannot guarantee a new credit application will be approved.

What if I haven't received my order?

Please call us on 0333 015 0000 or email us at info@furniturechoice.co.uk and we will help you.

How do I change my Direct Debit details?

Please contact a member of the V12’s Customer Services Team on 029 2046 8900 or via email on customerservices@v12finance.com who will be able to deal with this request. You can also update your Direct Debit details via the V12 self-service portal if you have setup an account.

Are there any fees or charges to pay?

Fees may be payable to V12 Retail Finance in line with the terms of your credit agreement if you fail to maintain your repayments. Fees and charges may include late payment fees and failed direct debit collection fees. Full details of any potential fees and charges will be set out in the terms of your credit agreement.

I'm having problems paying my deposit online

Please contact V12 Retail Finance customer support at customerservices@v12finance.com or 02920 468 900.

What if I want to cancel my finance agreement?

Where you do have the right to cancel the finance agreement, you must do this within 14 days of entering into the finance agreement which is effective from the date of receipt of your goods.

To cancel your finance agreement, please arrange to return your purchase with us. Where possible, please return items in their original packaging.

If you wish to return your item please see our returns page.

Once we have completed your return and confirmed your cancellation, we will advise V12 to cancel your finance agreement and they will refund any deposits or repayments that have been made where applicable. Your finance agreement can only be cancelled by V12 if your purchase is cancelled with us.

What happens to my loan if I want to return my order?

If you are not satisfied with your purchase you can return it up to 30 days after delivery and receipt. You can return an item for any reason, free of charge, as long as you let us know within 30 days of receipt and it's in its original condition. Where possible, please return items in their original packaging.

If you wish to return your item please see our returns page.

In this case, we will notify V12 to reduce your loan amount accordingly. You will receive confirmation from V12 within 5-10 business days after we received your return in cases where a full refund is processed.

Can I withdraw from the credit agreement and pay by a different method?

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 agreement is made or, if later, the date on which V12 Retail Finance tells you that they have signed the agreement). If you wish to withdraw you must give V12 Retail Finance notice in writing or by telephone on 029 2046 8900 or by emailing customerservices@v12finance.com. You can also find V12’s contact details on your credit agreement.

Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.

What if I need to contact my lender about my finance?

If you have an active application, i.e. monthly payments have started, and any queries about your finance, contact V12 Retail Finance directly and speak to their customer services team at 029 2046 8900.

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