Pay on Finance
Cleverboxes have teamed up with V12 Finance to offer you certain items at 0% finance, spread over 6 to 12 monthly payments.
Choose Your Product
Add products to the basket.
Select Payment Option
Select 'Pay on Finance' option at the checkout screen.
Complete the simple application form online for an instant decision.
The Cleverboxes Pay on Finance option is easy to understand and application is simple. Check out the chart below to see how much you will pay each month.
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.
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; 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Interest Free finance options are available on selected products only, at the discretion of Cleverboxes Ltd and can be withdrawn from the offer by the company without prior notice at any time.
What products are available for finance?
At the moment only certain products are going to be allowed to be purchased with this finance option. We will look to extend the range so please check back regular.
The finance option will not be available for any sale or promotional productsClick here for more information
Who is eligible for finance?
Finance is available on selected products only. This amount includes any additional services and delivery options selected, however does not take into account any promotions.
You'll need to be:
- 18 years or older.
- A permanent UK resident for 3 years or more
- Be able to make regular repayments by Direct Debit.
- In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who is in regular employment.*
- Have a debit card/credit card in your name, registered to your address and have a bank/building society current account.
Other conditions may apply and we cannot guarantee that your application will be accepted.
* If you are retired and receive a pension, V12 Retail Finance may ask for proof of sufficient income.
How long will it take to apply?
You should get an instant answer on whether your application for finance has been successful. In some cases, V12 – our 3rd party financial services provider - will need to look at the application in more detail before making their decision.
How do I apply?
Simply complete the online form at the payment stage and add an electronic signature. It’s important that you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option.
If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against your own credit or debit card. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card; the details are used only to check that they are valid and registered to your address.
What happens if my application is turned down?
Applications may not be accepted for a number of reasons including typing errors or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.
If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:
- You do not meet the eligibility criteria.
- Adverse credit reference agency information.
- Your credit score.
- You are considered to be overcommitted financially.
- Your existing account performance with other lenders.
If you wish to appeal the decision made by V12, it is advised you obtain an up to date copy of your credit report before appealing directly to V12. Due to data protection, all customer appeals must be email to firstname.lastname@example.org or for more advice, call V12 on 02920 468916.
A little bit about V12 Retail Finance
Finance. Pure and simple.
Cleverboxes have 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.