Finance Available at Attwoolls Outdoors
We offer our customers the ability to apply for simple finance facilities to fund a purchase from us, simply add your items to the basket and then select the V12 Retail Finance option at the checkout. Once you are accepted by V12 Retail Finance you will be asked to ESign the credit agreement and once in receipt of your purchase, V12 will make your agreement live and your monthly repayments will commence for the agreed term. This finance option gives you the flexibility to buy what you really want now and enjoy your next camping trip or adventure by spreading the cost of your total purchase over a repayment period that suits your budget.
ALL FINANCE ORDERS MUST BE DELIVERED TO THE ADDRESS REGISTERED IN YOUR FINANCE AGREEMENT (HOME ADDRESS), IF THIS IS NOT SUITABLE THEN PLEASE DO NOT CHOOSE TO CHECKOUT USING FINANCE - Simply checkout using Sage pay instead or visit us in store, use the V12 Finance option and take your goods away with you.
FINANCE AVAILABLE ON ALL ORDERS FROM £500 UP TO £2500
The online finance option we offer is:
- 10 Months - Interest Free Credit at 0% APR representative
We do not require a deposit, however if you would like to pay a deposit then this is available when you chose the V12 Retail Finance option when purchasing your goods in store.
The instore finance option we offer is:
- 10 Months - Interest Free Credit at 0% APR representative (with the option of paying an initial deposit)
FINANCE PRODUCT INFORMATION
Interest Free Credit
- This is an interest free loan with no arrangement fees
- You repay the loan amount through 10 equal monthly payments
- Minimum order value needs to be £500 or more (no deposit required)
AM I ELIGIBLE FOR FINANCE?
- Be at least 18 years of age
- Have been a UK resident for 3 years or more
- Be able to make repayments by direct debit
- Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment.
*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.
HOW DO I APPLY FOR FINANCE?
*Credit is subject to age and status. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.
WHAT INFORMATION DO I NEED TO APPLY FOR FINANCE?
During the finance application you will be asked for certain personal information:
- 3-year address history
- Date of birth
- Email address
- Telephone contact details
- Employment / income information
If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.
HOW LONG DOES IT TAKE TO APPLY?
With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. With some applications the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have come to a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.
For finance orders made online we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person. V12 Retail Finance is available in store if you would prefer to collect goods from us in person.
WHAT IF I NEED TO RETURN MY ORDER?
If you wish to return the order then please refer to our Returns Policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.
MY APPLICATION HAS BEEN DECLINED, WHY IS THIS?
You will be informed of the decision if the lender declines your application, the lender is unable to share the reason for decline with Attwoolls Camping & Leisure. Applications are usually declined for reasons such as:
- You do not meet the eligibility criteria (see above);
- Adverse credit reference agency information;
- Your credit score;
- You are considered to be overcommitted; or
- Your existing account performance with other lenders.
The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.
Attwoolls Camping & Leisure acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.
Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.
Attwoolls Camping & Leisure is registered in England and Wales - 802641. Registered Office: Whitminster Lodge, Whitminster, Bristol Road, Gloucestershire GL2 7LX UK.