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Interest Free Credit (0% typical APR) is a loan that can be applied to an item purchased in one of our boutiques or from our website. The loan is completely interest free which means you will not pay any more than the price of the item.

You will pay no interest whatsoever on the amount you borrow. You can decide whether or not you want to pay any money towards a deposit, and then you settle the balance over an agreed period of months via a monthly direct debit. You can even pay off your balance at anytime without paying any extra charges.

Interest Free Credit
Interest Free Credit


Interest Free Credit allows you to spread the cost of your item over a period of time, whether it be months or years. This means you can pay a set amount every month until the item is paid off, rather than paying the lump sum up front. You will not pay any more than the price of the item as there are no extra charges involved.


With ROX, you can spread the cost of your item over 6, 10, 12, 18, 24 or 36 months. Here’s a quick example of how much you would pay on a ring priced at £4250 over 24 months using Interest Free Credit:

  • Price - £4250
  • Minimum 20% of the cost paid as a deposit - £850
  • Amount being borrowed (Interest Free) - £3400
  • Paying over 24 months with payments of - £141.66
  • There are no other charges
  • At the end of the 24 months you will have paid £4250. Nothing more.
Interest Free Credit
Interest Free Credit


You can benefit from Interest Free Credit with ROX in store and online and it can be applied on products with a value of £250 and above. However, Interest Free Credit is not available on any sale items. You also cannot use discount and/or promotional codes when taking out Interest Free Credit on an item. We’re sorry for any inconvenience this may cause to your purchase.

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Who can apply for Interest Free Credit?

Anyone over the age of 18 can apply for Interest Free Credit. To be accepted for finance, you must meet the criteria of V12 Retail Finance Ltd that takes into account your financial situation such as employment and credit rating.

Interest Free Credit
Interest Free Credit

Who is the credit provider?

ROX (UK) LTD is a registered company in Scotland SC216217. Our registered office is 42-45 Argyll Arcade, Glasgow, G2 8BG. ROX (UK) LTD acts as a credit broker, allowing you to take advantage of Interest Free Credit, from Secure Trust Bank PLC trading as V12 Retail Finance Ltd. The Consumer credit service is provided by Secure Trust Bank PLC trading as V12 Retail Finance and ROX (UK) LTD is authorised and regulated by Financial Conduct Authority. Our registration number is 537008.

Interest Free Credit is provided subject to age (over 18) and status. For more information please visit

How do I apply for Interest Free Credit?

Once you have chosen your item, you will be presented with payment options at checkout. You decide on the deposit that you want to pay and how many months you chose to spread the cost over. Once you have chosen your payment term, we will direct you to the V12 Finance website where you will complete a short application form.

Once you have been approved, you will be required to check the e-signature box which signs the credit agreement to submit your application. When you complete this, you should have an answer in around 10 seconds as to whether you have been accepted for Interest Free Credit or not.

Interest Free Credit
Interest Free Credit

I’ve been declined Interest Free Credit. What do I do?

If, unfortunately, your application is declined and you are not happy about this decision, you can write to V12 Retail Finance and request further details about your application at:

V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
Cardiff, CF24 5PJ

When writing, please clearly state the reason that you are writing and provide your name, address and postcode for them to discuss your application.

When is my first payment due?

Once your application is complete, your first payment will be taken from your account via direct debit around 30 days from the day you receive your new item from us.

Interest Free Credit
Interest Free Credit

What if I need more information on Interest Free Credit?

Please feel free to ask us any questions about Interest Free Credit in one of our boutiques, by calling us on 0800 0124 363 (9am to 5:30pm Monday to Friday) or send us an email at

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