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01604 673000

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Interest Free Finance

Want to make that special purchase and don’t fancy waiting? Now you don’t have to. With our flexible finance options, we make those bigger fitness equipment purchases more affordable by spreading the cost. If your order is over £400 you can opt for 0% interest free credit, or you can choose our buy now pay later or classic credit options on orders over £299 - the choice is yours! *Exclusions apply.

Interest Free Finance

Minimum 10% deposit paid up front.
Affordable payments made on a monthly basis
0% interest incurred

Spend £400 or more with us and you can take advantage of our Interest Free Finance. Rather than pay for your order in one lump sum, you can split the amount into 24 or 36 easy monthly instalments. With just a 10% deposit and absolutely no interest added, all you pay is the original price over a period that suits you. It’s as simple as that. *Exclusions apply.

Typical Example (24 month option)

Cash price £500. Pay the 10% deposit of £50 then pay £18.75 each month for 24 months. Interest free, 0% APR Representative.

Buy Now, Pay Later

Pay nothing for 6 or 12 months with selected orders over £299
0% interest incurred when you pay in full by due date
10% deposit required

Whether you want to upgrade your treadmill or deck out your new home gym, you can have your fitness equipment now and pay nothing for 6 or 12 months (following a 10% deposit).

Within the agreed 6 or 12 month period, you’ll be given the option to pay off the balance to avoid being charged interest. If you don’t pay off the balance, we’ll calculate the interest from the purchase date and add this to your balance. You’ll then be asked to pay a minimum amount each month until the balance is paid. 6 month term: 42 monthly payments, 12 month term: 36 monthly payments (both at 29.8% APR). A £29 Credit Brokerage fee on 6 /12 month applications is payable at the end of the finance agreement. A £29 Credit Brokerage fee on 6 /12 month applications is payable at the end of the finance agreement. *Exclusions apply.

Buy Now Pay Later Plan

Your APR Representative 29.8% APR for all Buy Now Pay Later Plans (6/12 months)    
Interest Free Period Buy Now Pay Later Plans (6 or 12 months) offer specified periods to opt out of interest.
Deferred interest will be payable if you do not pay the balance by the due date.
Other Fees 0% if you pay on time    
Representative Example Spend £399 on a 6 month Buy Now Pay Later Plan and pay nothing for up to 6 or 12 months
(although you can begin earlier if you wish) then pay the balance by the due date.
Total payable £399. Or choose to spread the cost for longer, and start paying the monthly
minimum at 29.8% APR. Your balance includes deferred interest from the purchase date.


How to Purchase Online

Applying for V12 Retail Finance takes less than 5 minutes. To apply online:

  • proceed to the checkout
  • select from the finance options (Pay by Interest Free Finance: 24 or 36 months or Buy Now Pay Later: 6 or 12 months) as your payment option
  • complete the credit application

You can also apply by visiting us instore or by calling 01604673000. Find your local store.

Classic Credit Finance

The following Classic Credit Finance options are available on selected orders over £299. *Exclusions apply.

12 months: 12 monthly payments (14.9% APR)
24 months: 24 monthly payments (13.9% APR)
36 months: 36 monthly payments (13.9% APR)
48 months: 48 monthly payments (13.9% APR)

Finance terms are subject to status. A 10% deposit is required with all options and payments begin one month after delivery of your goods.

Eligibility Requirements

To apply for credit with V12 Retail Finance, you must:

  • be at least 18 years of age and under 85 years of age.
  • have been a UK resident for 3 years or more.
  • be able to make repayments by direct debit.
  • be in full time employment (16 hours or more per week) or be self-employed, retired and over 50 years of age or be on invalidity or disability allowance

Delivering Your Purchase

Once you have completed your application and been accepted, you will need to sign the agreement forms and send back to V12 Retail Finance before we can ship your goods.

Please note: It can take around 5 working days from V12 Retail Finance receiving your application to us shipping your goods. We cannot despatch Interest Free Finance or Buy Now Pay Later orders within our express shipping timescale.
V12 Retail Finance cannot be used in conjunction with any promotional codes or offers.

Terms & Conditions

*Please note: Our finance options are available for selected products only. If you are purchasing one product only, please refer to the product page to check whether it is eligible for our finance options. If you are purchasing more than one product, please click on 'V12' under Payment 'Options' at the checkout to determine which of our finance options your order is eligible for. Please contact us on 01604 673000 with any enquiries surrounding our finance options.