Finance Your Fireplace

If you spend at least £375 with us, why not take advantage of our Finance offer? Instead of paying for your order in one lump sum why not split the payment into easy monthly payments?

The application can be completed online 24 hours a day in less than 5 minutes.

How To Apply For Fireplace Finance

The finance application process is extremely simple and takes just 5 minutes. Add your chosen product(s) to the basket, and when you go through the checkout, simply select the finance option.

Follow the on-screen prompts for your instant online decision (no printing off any paperwork, all done online, straight away)

Finance Terms

There is NO administration fee's payable on any of our finance schemes.

In order to apply for credit, you must:

• Be at least 21 years of age
• Be either:
• In full time employment (i,e. 16 hours, or more, per week) or
• Self-employed or
• Retired and over 50 years of age or
• In receipt of an invalidity or disability allowance
• Have been a UK resident for 3 years or more
• Be able to make repayments by direct debit
• Provide your previous address if you have lived at your current address for less than 3 years
• Have an order value of over £375.00
• Payments by direct debit, credit subject to status, written quotations available on request

Frequently Asked Questions

How quickly will my application be processed?
In most cases you will know immediately if your application has been accepted or declined, however, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.

If my application is accepted what happens next?
Most of our applications are now esignatures and you just have to wait for the goods to arrive.

What is credit scoring?
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, disability or colour.

Which products are offered with 0% Finance?
Selected products offered with 0% Finance over 10 months will have a '0% Finance' banner on their product page. All other products over £375 are offered with a competitive, interest bearing option over 24 months.

If I have been refused credit can I apply again?
We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest however, that you leave at least 9 months between applications.

Who is eligible for finance?
To apply for Finance, you must be over 21, and you or your partner must work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.

Why has my application been declined?
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:

Adverse credit reference agency information
Your credit score (note that every finance company will score you differently)
You are aged under 21
You are considered to be overcommitted
Your existing account performance with other lenders

What type of information do credit 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.

Can I obtain a copy of the information credit agencies hold about me?
Yes, all three credit reference agencies offer online and offline services to allow you to review your credit file. Please see their web sites for further information:

http://www.callcredit.co.uk
http://www.experian.co.uk
http://www.equifax.co.uk

Can I have my order delivered to somewhere other than my home address?
In order to safeguard applications orders that are being paid for by finance can only be delivered to your home address.

Finance is provided by V12 Finance. V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.