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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 online. 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. It couldn’t be easier to make the most of this service. You pay 10% deposit and then you settle the balance over 12/24/36 or 48 months via a monthly direct debit. You can even pay off your balance at any time without paying any extra charges.

The benefits?

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.


Interest Free Credit



How does Interest Free Credit work?

With ROX, you can spread the cost of your item over 12, 24, 36 or 48 months depending on the loan amount. Here’s a quick example of how much you would pay on a ring priced at £4,000 over 24 months using Interest Free Credit:

• Price – £4,000
• 10% of the price as a deposit – £400
• Amount borrowed (Interest Free) – £3,600
• Paying over 24 months with payments of – £150
• There are no other charges
• At the end of the 24 months you will have paid £4,000. Nothing more.


Interest Free Credit



Where on ROX can I take out Interest Free Credit?

You can benefit from Interest Free Credit with ROX in store or online and it can be applied on products with a value of £325 and above. Only 12 months Interest Free Credit is available on any sale items. You also cannot use discount and/or promotional codes when taking out Interest Free Credit on an item.

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Who can apply for Interest Free Credit?

Anyone over the age of 18 can apply for Interest Free Credit, subject to age and status. 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



Who is the credit provider?

ROX (UK) LTD is a registered company in Scotland SC216217. Our registered office is 42-43 Argyll Arcade, Glasgow, G2 8BG. ROX (U.K.) Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 679156. ROX (U.K.) Limited 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. 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



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



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 0808 164 6448 (9am to 5:30pm Monday to Friday) or send us an email at

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We also have interest bearing options available on a select number of products.


Interest Free Credit



Click & Collect

If you have chosen Click & Collect for your order paid using V12 Finance, then you must bring the following with you when you collect:

• Photo identification (passport or drivers licence)
• A copy of the order placed (this can be on your phone or printed on paper)
• The credit or debit card used to pay the deposit

The photo ID must match the name on the order and the card number must match the card used to pay for the deposit. Please note we cannot allow anyone else to collect your order, even if you give permission. The applicant must collect it in person and they must sign for your order when you collect it to confirm receipt.