Spread the cost!
With Interest Free Credit, we’ve got a simple payment option to help you spread the cost of selected products. With our finance options, we make it really simple for you to make big purchases more manageable. There’s only one form to fill out which we complete with you in store or over the phone.
Interest Free Credit
Spread the cost, with no interest. We offer the chance to pay for promoted products over a fixed period, totally interest free. Purchases can be in store or online. If buying online, you’ll be able to add products to your basket and as long as one item in the basket is eligible for our finance offer, you will be able to select the 'Pay on Interest Free' option at the checkout.
We want to make sure that paying on finance is as easy as possible. Interest free repayment options are available on promoted camping supplies, making those big investments easier to manage.
If you were to make a purchase totalling £1,000, the example below, shows what you could be paying per month.
|Finance Option||Interest (APR)||10% Deposit to pay||Monthly Payments||Total Amount Payable|
|6 Months||0%||£100||6 months: £150.00 per month.
No final payment
8 months: £112.50 per month. No final payment
|10 Months||0%||£100||10 months: £90.00 per month. No final payment||£1,000|
Steps to interest free payments
Add promoted camping, caravanning, clothing or camping supplies to your basket and select 'Pay on Interest Free' at the check out.
If buying online, one of our operatives will call you to complete a simple application over the phone. Otherwise, your application will be completed with you in store. When doing this you will be able to take your pick from a 6, 10 or 12 month repayment plan.
Upon successful completion of your application, pay a 10% deposit and we ship your goods.
V12 Retail Finance, our 3rd party provider
We've teamed up with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550. Devon Outdoor and Camping Supplies, Ashford Barnstaple a Wyvale Garden Centre, Strand Lane, Ashford, Barnstaple, EX31 4BW is acting as a credit broker for V12.
Finance Terms and Conditions
If your application is successful, you’ll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.
Interest-free credit is over 6, 10, or 12 months terms, at our discretion and subject to status. 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. Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, V12. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12’s parent company. Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).
Interest Free finance options will be available on specific promotional products. These promotions are subject to availability and can be withdrawn at any time.