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Finance Information


We offer a range of finance options which are available on orders over £250. The total value of your shopping cart must be greater than this in order to apply for finance.

How do I know what Finance Options are available?

When you browse our website the available finance options are displayed on product pages, catagory pages & at the final stage of checkout. Certain products benefit from 0% finance offers, the term of the 0% offer is displayed within these pages and in our FINANCE CALCULATOR.

If you are purchasing multiple items with different 0% offers, the whole order will be eligible for the option with the longest 0% term (see "Checking Out & Applying for Finance"). 

Using the Finance Calculator

Our website features two Finance Calculators, one on the product page (where eligible) and one at the final stage of checkout. The Finance Options provided on product pages are specific to that product, the Finance Options provided during checkout apply to the whole cart.

1) If available, click to choose your preferred Interest Free Finance term.
2) Alternatively, click to choose your preferred Classic Finance term.
3) Drag the slider or type in the "Deposit Amount" box to set the desposit you would like to pay. The minimum deposit is 10% and the maximum is 50%.
4) The "Finance Details" section will display the APR, monthly payment amount & term, interest amount and the total payable including interest.
5) You can continue to checkout straight from the finance calculator, or alternatively, you may add the item to your cart using the normal add to cart button on the product page.

Checking Out and Applying for Finance

Once you have added products to your cart, you will need to checkout as normal on our website using V12 ONLINE FINANCE as the payment method when prompted.

Please be advised that finance orders must be delivered to the address you provide on your credit agreement. If you request a different delivery address during checkout it will be amended for you.

After you have completed your order on our website, you will be presented with the main Finance Calculator which displays the options available to your entire order.

IMPORTANT: Please select your Finance Term & Deposit carefully as you cannot change it later. The information you provide here will be passed on to V12 Retail Finance.

When you are happy with your finance selection, click "APPLY NOW" to be forwarded to V12 to complete your application.

What happens next?

Once you have submitted your details to V12, they will tell you if your application has been approved, referred or declined. This is usually instant, but can take up to 24hrs if they require information or need to perform additional checks.

If your Finance Application has been successful you will receive confirmation emails about your order and finance agreement separately. Please keep these emails and the documents included safe.

When your repayments begin

Your repayments will begin approximately 30 days after the date we dispatch your goods.

Additional information is provided in your finance agreement, which outlines the payment shedule, term and number of payments. Please follow the instructions in your V12 Retail Finance emails to retrieve your documents and read them thoroughly.

Finance Enquiries

Should you have any questions about your finance agreement, please contact V12 Retail Finance directly using the information below. We are unable to advise you on anything relating to your agreement with them.

V12 Customer Support: 029 2046 8912 | customerservices@v12finance.com


Craig Hi Fi Limited trading as SPATIAL, Unit 7 Alpha Business Park, Travellers Close, Welham Green, AL9 7NT (Company Registration Number 01283106) act as a credit broker and not a lender, and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Craig Hi Fi Limited is Authorised and Regulated by the Financial Conduct Authority registration number 727225. Credit is provided subject to age and status.