FINANCE OPTIONS

Interest Free Credit

Interest free credit is available on selected products and can be taken over 12, 24, 36 and 48 months to offer the most affordable monthly package on orders with a minimum value of £500.

You will pay no interest whatsoever on the amount you borrow.  You can even pay off your balance at any time without paying any extra charges.

Interest Free Credit Finance options are provided by V12 Finance.

• 0% APR Representative
• 1% Minimum deposit
• Maximum loan value £25,000
• Subject to affordability, age and status.

Interest Bearing Credit

Interest-bearing credit is available on selected products and can be taken over 24, 36, 48 and 60 months on orders with a minimum value of £500.

Interest Bearing Credit Finance options are provided by V12 Finance.

• 9.9% APR Representative
• 1% Minimum deposit
• Maximum loan value £25,000
• Subject to affordability, age and status.

EXECPTIONS

• Interest Free Credit is not available on certain models across our range, please check the product page for details of the available options. • Interest Free Credit cannot be used when purchasing Gift Cards. • Interest Free Credit cannot be used in conjunction with any discount, promotional codes or cashback websites.
• Interest Free Credit cannot be used when paying for repair work.

The benefits?

Paying by finance allows you to spread the cost of your item over a period of time. This means you can pay a set amount every month until the item is paid off, rather than paying the lump sum up front.

Who can apply for Finance?

Anyone over the age of 18 can apply for finance, subject to affordability, 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. Minimum spend applies.

Who is the credit provider?

ROX (U.K.) Limited 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: www.v12retailfinance.com

How do I apply for finance?

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, the finance option 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 finance or not.

My finance application has been declined. What do I do?

Unfortunately, we are not provided with the reason why your application has been declined. Only the finance provider, V12 Finance, can provide this information. Possible reasons can include:

1. You do not meet the eligibility criteria
2. Adverse credit history or low credit score
3. You are considered to be over-committed
4. You existing account performance with other lenders

Please note that spelling errors or incorrect address details input into the application can lead to a declined decision so please check your application carefully for any errors or omissions.

If your application is declined and you wish to appeal the decision made by V12 Finance, we recommend that you obtain an up-to-date copy of your credit report first. You can call V12 Finance directly on 02920 468 900 or email them at underwriting@v12finance.com. Customer Service is open Monday to Friday 9am-5pm, closed Saturday, Sunday and bank holidays (including Easter) until further notice.

Alternatively, you can pay by credit or debit card, bank transfer or PayPal.

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 item from us.

What if I need more information about my finance options?

Please feel free to ask us any questions about your finance options 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 help@rox.co.uk.

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.