* On selected products subject to availability. T&Cs apply.
Pay on Finance
We know purchasing any of our products is an investment, that's why we offer the option to Pay on Finance. If you spend £250 or more online, you can choose to spread the cost of your purchase over a time to suit you, whether it's 6, 12, 24, 36 or 48 months. Just select the Pay on Finance option when you check out.
It's as easy as:
Add your products
to the basket
Select Apply for Finance
at the checkout
Complete the easy application
We want our Pay on Finance option to be as easy to understand and straightforward as possible. We've created the chart above to tell you how much you'll pay back per month. On selected products, Interest Free and Buy Now Pay Later payment options will be available as part of specific promotions.
Finance Terms and Conditions
If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.
Pay on Finance for interest-bearing credit products is available over 12, 24, 36 or 48 months, subject to status. From time to time, we may offer an interest-free credit product over 6, 10, 12 or 18 month terms, at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, V12. If your application is successful you’ll enter into a credit agreement with Secure Trust Bank Plc; V12’s parent company.
Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).
Buy Now Pay Later and Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.
A little bit about V12 Retail Finance
Finance. Pure and simple.
We've teamed up with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.
Who is eligible for finance?
Finance is available on orders of £250 or more, placed on our website. This amount includes any additional services and delivery options selected. You'll need to be:
- 18 years or older.
- A UK resident for 3 years or more/Permanent UK resident.
- Be able to make regular repayments by Direct Debit.
- In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
- Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.
Other conditions may apply and we cannot guarantee that your application will be accepted.
* If you are retired and receive a pension, V12 Retail Finance may ask for proof of sufficient income.
How long will it take to apply?
You should get an instant answer on whether your application for finance has been successful. In some cases, V12 – our 3rd party financial services provider - will need to look at the application in more detail before making their decision.
What do I need to apply?
All you need to do is fill out the online form at the payment stage and add an electronic signature. It’s important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option.
If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card; the details are only used to check that they are valid and registered to your address.
What happens if my application is turned down?
Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.
If your application isn’t successful, you can still purchase the item in full via PayPal, Pay with Amazon, or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:
- you do not meet the eligibility criteria;
- adverse credit reference agency information;
- your credit score;
- you are considered to be overcommitted financially; or
- your existing account performance with other lenders.
If you wish to appeal the decision made by V12, it’s advised you obtain an up to date copy of your credit report before appealing directly to V12. Due to data protection, all customer appeals must be email to firstname.lastname@example.org or for more advice, call V12 on 02920 468916.
Terms & Conditions apply
Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Halfords Limited acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 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. Financial Services Register number: 204550. The address of Halfords Limited is Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE.