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Finance

Please call 01684 575486 Press 1 for Sales. We can offer you 12 Months 0% buy now pay later Credit, no deposit required on any products  from £250.00 up to £15000.00 Call or See Below

To apply for finance, follow these three easy steps

 

Add items to checkout

1. Add items to your basket, and click 'Checkout'.

 
Apply for Barclays finance

2. When selecting your Payment Option, choose ‘Barclays Partner Finance Apply and select your offer and terms.

 

Complete the online form

3. Complete the Barclays Online Application form. Make sure you have your bank details at hand.

Once your application has been accepted, usually within minutes, we will immediately dispatch your equipment.

Are you eligible for finance?

Applicants must be:

  • Aged 18 years or older from the application date
  • In permanent UK residence for a minimum of three years
  • Fulfil at least one of the following employment criteria:
    • In regular, permanent employment.
    • Retired from regular employment - With a minimum age of 50.
    • Not working through disability.
    • Self-employed.

Note: All applicants will be subject to a credit reference check by the lender.

Buy Now Pay Later - 19.9% APR (representative)

The Buy Now Pay Later option comprises a 36 month loan following a six month deferral period.

No deposit is required on this loan although an optional deposit payment of not less than 10% of the total amount may be made if you choose.

No repayments are scheduled in the initial six month deferral period. Barclays Partner Finance will send an account confirmation letter approximately four weeks after delivery of the goods, confirming that the account has been activated and, from this point, it is possible to make prepayments against the loan.

During the six month deferral period, it is possible to pay off the loan, either by way of a lump sum or in smaller amounts. If the loan is fully repaid within the six month deferral period, then no interest is payable, however a £29 early settlement fee is payable in respect of repayments within this six month period. Such repayments may be made to Barclays Partner Finance by cheque, debit card or standing order. Unfortunately it is not possible to set up a direct debit within the deferral period. Further information on how to make such repayments will be set out in the loan agreement pack provided by Barclays Partner Finance.

Following the six month deferral period, Barclays Partner Finance will initiate a monthly direct debit payment for the remaining duration of the loan. Interest will be charged at a rate of 19.9% APR on outstanding balances (backdated to the first date of the loan). Late payment penalties and early repayment charges will apply from this point. Barclays Partner Finance will send a reminder letter approximately one month before the six month deferral period is due to elapse.


H.Preston  acts as a credit broker and not the lender. Credit is available to UK residents aged 18 or over and is subject to application and status.

NB: If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.

 

Fixed Interest Finance - 14.9% APR (representative)

This option comprises term loan with a choice of repayment plans over:

  • 12 months
  • 24 months
  • 36 months

No deposit is required. However you can pay an optional deposit of not less than 10% of the total amount if you choose.

The balance of the finance agreement is payable directly to Barclays Partner Finance in equal monthly instalments by monthly direct debit. The direct debit payments will commence at the end of the first month following receipt of your goods. The interest rate charged is 14.9% APR. Late payment and early repayment penalties apply; full details of these will be provided in the loan agreement pack.


H.Preston acts as a credit broker and not the lender. Credit is available to UK residents aged 18 or over and is subject to application and status.

NB: If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.

 

Interest Free Credit - 0% APR (representative)

From time to time we are able to offer interest free credit on various products. Where interest free credit is available, this will be flagged against the relevant product on the web site.

Where available, interest free credit will be offered for a period of 12 or 24 months (depending on the product). No deposit is required and payments will be collected by direct debit in monthly instalments, the first instalment being collected 30 days after shipment of the product.

Where a qualifying product is added to your basket, the full value of your basket, including any accessories purchases, will be eligible for interest free credit. This is subject to the value of the additional products not exceeding the value of the qualifying product.

H.Preston acts as a credit broker and not the lender. Credit is available to UK residents aged 18 or over and is subject to application and status.

Finance FAQs

Which products are eligible for purchase under finance agreements?

Any product may be bought using one of our finance options, providing the total order value is at least £250 (£300 for showroom orders) and does not exceed £50,000.

How do I set up a Finance application and how long will it take?

Where available, the option to apply for finance will be shown as a payment option during the checkout process. Applications can also be made over the telephone or in person in our showroom. Our financing partner will endeavour to give an immediate decision on applications made online but, in some circumstances, such applications may be referred for further review prior to a decision being made.

If you choose to apply for finance online, the delivery date selected earlier in the checkout process may not apply. Your delivery date may be later due to the time required to process your financing application. In these circumstances, we will contact you to confirm the expected delivery date of your order.

Where can finance orders be delivered to?

Finance orders can be only be delivered to your billing address.

What information will I need to provide when applying for finance?

In order to complete your finance application, you will need to provide some personal information. Please ensure you have the following information to hand:

  1. Your full name (including your middle name if applicable)
  2. Your date of birth - applicant must be 18 years or over on application date.
  3. Your nationality
  4. At least 3 consecutive years worth of address history within the UK
  5. Contact Telephone Numbers (Home, Work and/or Mobile telephone)
  6. Number of children under the age of 18 years old, still living at home
  7. Bank Details
  8. Existing rental commitments (if applicable)
  9. Gross Annual income
  10. Employment Details  you should fall into one of the following categories, if you are not employed, or haven’t lived in the UK for three consecutive years unfortunately you will not qualify for a finance agreement. If you do fall into one of the following categories you will need to provide the relevant information as outlined below: 
    1. If you are employed (you must be working at least 16 hours a week) the following details are required:
      • Employers name
      • Employers address
      • Employers contact telephone number
      • Length of time you have been employed in this organisation
    2. If you are self-employed please provide:
      • Your company name
      • Your registered company address
      • A business telephone number
      • Length of time you have been self-employed
      • A ‘proof of self-employment’ is also required: This can be your tax reference number (UTR) OR VAT registration number. (A CIS number is also acceptable)
    3. If you are retired, details of your last employment are required:
      • Company name
      • Town/city you worked in
      • How long you were employed by the company before you retired.
      • Some pension details are also required
      • If you are in receipt of disability benefits or income support please provide details of your allowance/support.
      • If you are a house-person and you live with a partner who is (self) employed you may still be eligible for finance. You will need to have the following information to hand: details of your partner’s employment including, job title, name of employer, employers address, employers contact telephone number; and length of employment.

My application was approved but my order has not been dispatched?

Once your application is approved, you should receive two emails from Barclays Partner Finance. One with a link (in order to e-sign the application) and the other which contains a unique password. Once you complete the e-sign, your application then moves to Barclays security team who carry out the final checks. Once Barclays approve the agreement, they will notify us that we can dispatch the goods. During busy periods this can take a couple of days. Wex will dispatch the goods as soon as we receive the notification from Barclays but are unable to dispatch goods before.

How will my repayments be collected?

Your first installment will be collected by Direct Debit 30 days after shipment of the product. Further information on how to make such repayments will be set out in the loan agreement pack provided by Barclays Partner Finance. Note: in some cases the final monthly payment may differ slightly to the proceeding months.

If you have any further queries, please contact jpreston@hpreston.co.uk

Can I pay a deposit?

If you apply for finance online, you will be unable to pay a deposit. You can however use a part-exchange credit as part payment and spread the balance over a finance option (providing the balance is greater than £250).

We can accept a deposit it you chose to apply for finance in our Store or over the phone.

V12 Finance

Buy now, pay later loans

The opportunity to defer payment is a popular way to make larger purchases affordable. With this option, you can 'buy now, pay later' with up to 12 months payment-free, after which you can pay the loan in full or in monthly repayments. As long as the full amount is paid with in the first 12 months you will be charged no Interest. You will pay an admin fee of £29.00 only.

RETAIL FINANCE

We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by V12 Retail Finance you will be asked to eSign the credit agreement and once in receipt of your purchase, v12 will make your agreement live and your monthly repayments will commence for the agreed term. In short retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget.

OPTIONS AVAILABLE

 Subject to availability, the typical products we offer are:

 

  • [6 months Interest Free Credit; ]
  • [12 months Interest Free Credit;]
  • [24 month Interest Bearing Credit at 15.9% APR representative]

 

We require a minimum deposit of [20%] on our Interest Free and Interest Bearing products.

 

PRODUCT INFORMATION

 

Interest Free Credit

  • This is an interest free loan with no arrangement fees
  • You repay the loan amount through equal monthly payments spread over the chosen repayment period
  • Minimum loan of [£250] applies]

 

Interest Bearing Credit

  • This is an interest bearing loan with interest charged at the given APR, there are no additional arrangement fees
  • You repay the loan amount and total interest spread equally over the chosen repayment period
  • Minimum loan of [£250] applies]

 

Buy Now Pay Later

  • This is a loan where you make no initial monthly payments for the set number of months
  • After the payment free period has ended you can settle the loan off by paying it back in full along with a settlement fee (if applicable)
  • If you choose not to settle in full, the loan rolls into an interest bearing loan with interest charged at the given APR. You then repay the loan and interest spread equally over the chosen repayment period]

 

  • You are given an initial credit limit and are able to re-spend on the account at any time but will not be allowed to spend more than the limit
  • Each time you re-spend your credit records are reviewed. V12 Retail Finance reserves the right to reduce or revoke the credit limit at any time or if your credit file has deteriorated]

 ELIGIBILITY CRITERIA

 You must:

  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by direct debit
  • Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment

 

*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.

 APPLYING FOR FINANCE

 Interest Free Credit Plus

  • This is an interest free revolving credit account where you spread the cost of your purchases over the same number of months each time you spend

*Credit is subject to age and status. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.

INFORMATION REQUIRED

 

During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.

PROCESSING TIME

 With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

DELIVERY

For finance orders made online or via mail order we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person.

RETURNS & CANCELLATION PROCEDURE

 

If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.

 

DECLINED CREDIT APPLICATIONS

 

You will be informed of the decision if the lender declines your application, the lender in unable to share the reason for decline with us. Applications are usually declined for reasons such as:

 

  • you do not meet the eligibility criteria (see above);
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted; or
  • your existing account performance with other lenders.

 

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

 

 

THE LENDER

 

[Retailer name] acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is 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. Registration number: 204550.

 

[Retailer name] is registered in England and Wales 12345678. Registered office: [Retailer address]. [Retailer name] is authorised and regulated by the Financial Conduct Authority. Our registration number is [123456].