V12 0% APR Finance
Trying to keep up to date with the latest golf clubs, equipment, clothing and accessories can put a real dent in your bank balance. Here at Snainton Golf we have teamed up with V12 Retail Finance to offer our customers simple, flexible finance options through our integrated, online checkout process.
V12 Finance is the perfect payment option for those larger purchases you would normally have to save for. Rather than paying for your order in one lump sum, you can now spread the cost over 3, 6, 9, 10 or 12 month terms so you only pay what works with your budget over your chosen repayment period. With no interest to pay at all, and with the choice to pay from 10-50% deposit up front, all you have to repay is the total cost of your order (Minimum spend £280).
How to apply?
We have made the application process as simple as possible. All you need to do is add all the items you would like to purchase to your shopping cart and then proceed to the checkout stage.
Once you have filled out your details you will reach the payment stage of the checkout page. From here, simply select the 'Finance' option. You will then be directed through the application process.
Finance is provided through V12 and the entire application is managed online. It is quick and easy and you will receive a decision within seconds based upon the information that you provide.
Note: Promotional discount codes cannot be used in conjunction with any V12 finance order.
Frequently Asked Questions
Am I Eligible?
0% APR finance is offered subject to age and status, to apply for this service you will need to:
- 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 my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.
Declined Credit Applications
If your credit application is declined, you will receive notification via email from our credit partner, V12 Finance, with further instruction on how to dispute the decision.
How long does it take to apply online?
Our online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we can't give you an instant decision, you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.
Will the finance company perform a credit check?
Yes. A credit check forms part of the automated decision making process.
Can I pay my agreement off early?
Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance for details by phone, e-mail or letter at the following;
Telephone: 029 2046 8900 Email: [email protected]
Address:
V12 Retail Finance Limited
25 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ
Can I cancel my credit agreement if I change my mind?
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning 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 (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.
Please note that for any orders placed that contain either 'custom fit', 'special ordered' or any other products that are subject to any personal customisation, are binding and none cancellable from the Sale Of Contract. As per our terms and conditions, this requires full payment for such products, to be made using an alternative method.
How do I ask a question about the credit agreement?
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call V12 Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.
About our lenders
Finance is subject to status. From time to time, we may vary the terms of our finance offer 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. Finance as a payment method is provided through our external partner V12 Retail Finance. If your application is successful you will enter into a Credit Agreement with V12 Retail Finance.
Snainton Golf is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 981910. Snainton Golf 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.
