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Finance FAQs


Finance Available, Apply Online, Decision in Minutes


Get finance at our online checkout

Add goods to your shopping cart, whether that be a single product or a group of products, as long as the total value exceeds £249.99 you can apply for finance at checkout; simply select the V12 Finance option from the list.


As everything is completed online there is no need to fill out forms and no need for a printer, everything is carried out online. This even applies if you opt for an in-store or telephone application.

Fast Decision

The whole application process takes around 5 minutes and generally there is an instant decision. All finance is provided through our partner V12 Finance and is subject to status.

Select Your Products and get Free Delivery

The finance we offer is different to other retailers in that the finance does not have to be on a single product, it can be on a shopping cart value of £250 or more. This means you can get the item or items that you want right now and then conveniently spread the cost. All of our products are offered with free delivery to most of mainland UK, check the product pages or our delivery page for further information. If the item your purchase is available from stock it will be delivered within 48 hours, if it is a pool table or games table then it may have to be ordered or require a specialist delivery team. In this case you will be contacted.

No Deposit Required

Whether you opt for Interest free or Interest bearing credit you need pay nothing now as there is no minimum deposit requirement. If you wish to you can elect to pay a deposit of between 10% and 50% of the cost of your goods.


Frequently Asked Questions


Does everyone qualify for credit?

Quite simply no, it is subject to acceptance and you will need to meet the following criteria:


  • Aged 18 years or over
  • UK residents only with a minimum of 3 years continual address history
  • You must have a UK bank account that is capable of accepting direct debits.
  • In UK full time employment, unless retired or you have a partner in full time employment
  • The goods can only be delivered to your home address


How much can I borrow?

The minimum loan is for £250 with maximum finance available of £15,000 subject to acceptance by V12 Finance.


Do I need to pay a deposit?

No, we are one of the first in our industry (through V12 Finance) that allow you to make your purchase without a minimum deposit requirement, however, if you choose to do so you can opt to pay a deposit of between 10% and 50% of the cost of your goods.


How and when are payments made?

Payments are taken directly from your bank account via Direct Debit on a monthly basis, the first payment is typically 30 days after receiving your goods (If you make an application that is approved and your goods are not delivered for 4 weeks then the repayments will start a further 30 days later). Payments will then continue for the length of your term on the same day of the month.


Can I pay the finance off early?

Yes, use the contact details below to contact V12 finance and you can pay the credit off early.


Which products can I buy on finance?

Any product that we sell on our website can be purchased on finance, however, the minimum shopping cart value and loan amount is £250.


What payment terms are available?

Our Interest Free finance is available over 6 months only, our credit bearing 15.9% APR Representative option is available over 12, 24, 36 or 48 monthly payments. You can choose this during the application process.


How do I Apply?

There are three ways you can make an application, the easiest and quickest is to select the V12 Finance option from the list on the checkout page, to reach this page you will need to click 'checkout' from the shopping cart page.

Alternatively you can call us and we can send you an email link to an application to complete in your own time.

Lastly we can go through the application in-store for you if you want to call in.


Can I have the goods delivered to a different address?

No, the address you provide during the application process is the only address that we can deliver the goods to. This is because the address is used by V12 Finance as your proof of address. If you are due to move house then you will have to have goods delivered to the application address and take them with you or wait to purchase after you have moved so that your address details with your bank, credit cards and electoral roll are up-to-date.


If I change my mind can I cancel the Credit Agreement?

Yes, under section 66A of the Consumer Credit Act 1974 you have the right to withdraw from the agreement without giving any reason before the end of 14 days (this begins with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement. Please note that if you do give notice of withdrawal, you must repay to the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.


Contacting V12 Finance

Our consumer credit service is provided by V12 Finance, V12 Personal Finance Limited holds a Consumer Credit Licence, number 571030 and is regulated by the Financial Conduct Authority.

Address: V12 Retail Finance Limited | 20 Neptune Court | Vanguard Way | Cardiff | CF24 5PJ
Telephone: 02920 468900


Billiards Boutique

Mr P. Williams - Trading as Billiards Boutique or is regulated by the FCA in accordance with secondary credit brokering activities and is limited to such activities. The firm reference number is 625711.

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