Finance - 0% APR Interest Free Credit

Finance 0% APR Interest Free Credit

Easy Monthly Instalments

Seen something that you think would be the perfect addition to your home? Why not spread the cost and make our fabulous furniture even more affordable with our Home Finance option! Want to know how? Well, it’s simple! You can make regular monthly payments for a fixed amount over a set time, so you always know where you stand. (Subject to status. Minimum spend applies).

How to Apply

  • Online: You can now apply for finance directly through our website. On each product page, you’ll find a V12 calculator to explore finance options for individual items. Ready to checkout? In the basket, you can use the calculator to work out finance options for your entire order.

  • In Store: Visit us in Macclesfield and speak to one of our team who will guide you through the finance process.

  • By Phone: Call us on 01625 613333, Monday to Friday between 9am and 5pm, and we’ll be happy to discuss your options and complete your application remotely.

To find out more or apply for finance today, please get in touch - we’re here to help.

 

Check out the Home Finance options we can offer you:

Up to 24 months Interest Free Credit (0% APR) - 10% deposit 
6 months interest free credit for orders over £700
12 months interest free for orders over £1,000
18 months interest free for orders over £1,500

24 months interest free for orders over £2,500

 

Up to 48 months Classic Credit (9.9% APR) - 10% deposit
24 months classic credit for orders over £600
36 months classic credit for orders over £600
48 months classic credit for orders over £600

(Order value excludes delivery charge)


Representative Example – Classic Credit (48 Months, 9.9% APR Representative)

Cash Price: £1,000
Deposit (10%): £100
Total Amount of Credit: £900
Loan Term: 48 months
Annual Rate of Interest (Fixed): 5.13%
Monthly Repayment: £22.60
Representative APR: 9.9%
Total Amount Payable: £1,184.80
Total Cost of Credit: £184.80

 

Are there any restrictions?


To make sure that Home Finance is right for you, there are some restrictions in place:

To apply for finance, the customer must:

  • Be 18 or older
  • Be in permanent paid employment, self-employed, a homemaker, retired and receiving a pension, a working student in part-time employment, or in receipt of a disability benefit
  • Have been a resident in the UK or Jersey for at least 3 years
  • Have a debit or credit card in their name, registered to their address, to pay the deposit where applicable
  • Have a Bank or Building Society current account available in order to complete the direct debit instruction
  • Have an email address in order to receive important information throughout the application process, including their signed credit agreement

What if you'd like to cancel your order after applying for credit?

If you’d like to cancel your order, please let us know at the earliest opportunity by calling or sending an email to our team. Your deposit will be refunded back on to your chosen debit or credit card. It can take up to 14 days for this to display in your account.

 

Telephone: 01625 613333 / Email: internetorders@arighibianchi.co.uk

 

 

30 days right to reject:
Under the Consumer Rights Act you have a legal right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described, and get a full refund - as long as you do this quickly. This right is limited to 30 days from the date you receive your product.


FOS:
If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.

 

FCA Disclosure
Arighi Bianchi & Co.Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 723869. Arighi Bianchi & Co.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.

 

 

V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Address: V12 Retail Finance Limited. Yorke House, Arleston Way, Solihull, B90 4LH.