Interest Free Credit

Information - Help - Interest Free Credit

We, through V12 Retail Finance, offer Interest Free Credit on any Bag worth over £350. Unfortunately we are not able to offer Interest Free Credit on sale items.

What We Offer

We offer Interest Free Credit over 6, 12, 24 or 36 months, with a minimum deposit value of 10% of the total.

For pre-owned watches we offer Interest Free Credit over 6, 9, 10 and 12 months with a minimum deposit value of 10% of the total.

How To Apply

Once your Swag Bag has a value over £350 and you have everything that you would like to purchase through finance select 'Buy Now Securely' and you'll be taken to the next step. Once you have entered all your details simply select 'Finance' as your choice for 'Payment', select the duration of the Interest Free Finance and then confirm your initial deposit amount.

Once you are happy and have selected 'Pay Securely' you will be taken to the relevant Finance forms via our partner, V12 Retail Finance. Once all the relevant checks have been completed your products will be sent out. Checking time will vary depending on status.

Interest Free

Interest Free Credit (0% typical APR) is a loan that is applied to your Swag Bag. The loan has no interest, which means you will have no additional charge for using the service assuming payments are not missed. You may even pay off the balance at anytime without paying anything extra.

A Working Example

You can spread your payment costs over 6, 12, 24 or 36 months and for pre-owned 6, 9, 10 or 12 months, here's an example of a £350 Swag Bag spread over 24 months with Interest Free Credit.

  • Deposit of 10%: £35.00
  • Loan Amount: £315.00
  • Monthly Payments (23 Months): £13.13
  • Final Payment: £13.01
  • Interest: £0.00
  • Interest Charges: £0.00
  • Total Paid: £350

More Information

If you would like anymore information about our Interest Free Credit please feel free to contact us.

Authorised and regulated by the financial conduct authority, and acts as a credit broker. Credit is provided by V12 Finance, Authorised and Regulated by the Financial Conduct Authority.