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Which finance options are available?

All shopping baskets over £250 are eligible for finance. The Payment Optionspage will show you the finance options available, we offer a very competitive interest rate ranging from 15.9% APR Representitive for between 18 to 48 months. 

Am I eligible for finance?


To apply for finance you must be:

  • At least 18 years of age
  • A permanent UK resident
  • You can supply a UK address history for the last 3 years.
  • You have a good credit history with no bankruptcies, CCJs and IVAs.
  • In regular employment (minimum of 16 hours per week).
  • Are self-employed, or in permanent residence with your spouse/partner who is in regular employment
  • In receipt of a pension if you are retired
  • Able to confirm sufficient income if you are registered disabled.
  • Single or Multiple Occupant House Holders can all apply.

V12 Retail Finance


Our finance is supplied by V12 Retail Finance, the UK’s only specialist Retail Finance provider who use a secure and friendly market leading online software system which can provide you with a decision in seconds.

How do I apply?



Once your basket value is over £250 you will be able to select ‘Finance’ as a payment option in the checkout.

  • Select your preferred finance option.
  • Follow the simple online application steps which take around 5-10 minutes to complete on V12 Finance′s secure server.
  • When you have completed the application, V12 will use the information supplied to reach a decision (which involves a credit search) and very quickly confirm the outcome.
  • You’ll receive an instant answer if you have been approved for this finance option. With our new paperless forms if you have been successful you will be prompted to eSign your application form. Once your credit agreement is complete we will be able to despatch your goods to the agreed delivery period


Obviously, online finance is only one option. Should you prefer to pay outright you can check out in the normal way and pay by credit card, debit card, Paypal or Amazon.

Example 1: 18 Months Classic Finance 15.9% APR Representitive

Minimum spend £250: Maximum Spend £15000 - No Deposit Required - No Service Fee's

Example 2: BUY NOW PAY LATER

Minimum spend £250: Maximum Spend £2500

If you choose our 6 Months BUY NOW PAY LATER option you will pay the cash price + a £35 customer service fee applicable upon successful application

OR

* At the end of the 6 MONTH BUY NOW PAY LATER period you can choose to pay the balance with a 36 monthly payments plan at an APR rate of 29.9%(fixed). 

Representative Example:

THE INTEREST RATE: 29.9% (FIXED) 
CHARGES FOR THE CREDIT: £35.00 service fee
DEPOSIT/ADVANCE PAYMENT: NIL
CASH PRICE: £872.00
TOTAL AMOUNT OF CREDIT: £872.00
TOTAL LOAN PERIOD: 48 Months
AMOUNT OF INTEREST PAYABLE: £745.12
TOTAL AMOUNT PAYABLE: £1617.12
MONTHLY PAYMENT: £44.92


Credit provided subject to status. Meeting the eligibility criteria does not guarantee acceptance. Applications from unemployed will not be eligible. Finance orders can only be delivered to your billing address. Once your application has been accepted, Buy Now Pay Later customer service fee must be made using a credit or debit card.
 

What happens next if my application is approved?


If your application is approved you will be able to complete a Credit Agreement with V12 Finance. Upon notification of receipt of the agreement Gravitate will process your order and ship your goods.

What happens if my application is declined?


If our credit providers decline your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card or cheque).

Can I have my order sent to a different address?


Please note that orders paid for by Finance can only be shipped to the same billing address as on your application. It will not be possible for us to ship goods to a different delivery address.

Any questions?


Please call us on 0800 002 9744 if you have any unanswered questions. There is also more information on the V12 website (including payment methods, amounts and dates) which you can view at any time during your application.

JT SPAS reserve the right to exclude products of our choosing from certain finance packages. These can include purchases used in conjunction with promotional coupons, reduced items and sale products.

Credit is provided subject to status.
JtSpas.co.uk, Willowbank Business Park, Willowbank Road, Larne, BT40 2SF (COMPANY REGISTERED NUMBER NI062855) act as a credit intermediary authorized by the FCA and OFT on Licence Number 664057 for a single lender, V12 Retail Finance Limited, trading as V12finance.com and can only offer you loans provided by them.

V12 Retail Finance Limited holds a Consumer Credit License, number 594229. V12finance.com is a trading style of V12 Retail Finance Limited. Registered Office: One Arleston Way, Solihull, West Midlands, B90 4LH, Operating Address: V12 Retail Finance Limited, 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Registered in England and Wales under Company Number 4585692.
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