Our Finance Options Explained

Now you can spread the cost of buying beautiful furniture with our range of finance options. To apply for finance you can either use the finance option on checkout or visit one of our stores where one of our advisers will be happy to take you through the short application process. There's no charge and repayments are based around what best suits you!

Do I need to pay a deposit?
If you wish to opt for our interest free (0.0% APR) finance then a minimum 10% deposit is required, you can increase the deposit amount if you wish. No deposit is required for our 9.9% APR option.

What is the minimum amount I can have on Finance?
All our finance options require a minimum spend of £500.

When do I have to start paying?
Your monthly instalments start one month after your goods are delivered.

How do I apply for Interest Free Credit?
You can apply for Interest Free Credit online by using the 'Apply For Finance' option at checkout or in any of our stores.

Who can apply for finance?

  • Must spend over £500
  • 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 16 hours per week), including self-employment, or in permeant residence with your partner who is in regular employment
  • *If you are retired and receive a pension or are registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income 

Try Our Finance Calculator

With our finance calculator you can input how much you would like to spend (monthly or total spend) and choose a deposit amount. Then pick a monthly repayment option which best suits your needs. On the right hand side it will display your max order value and a breakdown of monhtly repayments and total payable.

Buying on finance? Use our calculator to find a deal to suit you

I'm looking to spend

£

with a deposit of

Choose your finance option

9.9% Finance

Max order value

£1194.15

Deposit: £0

Monthly payments: £30

Total payable: £1440

 

 

0% APR Finance

0% APR means you won't have to pay back any interest throughout the entire length of the loan, allowing you to spread the cost of purchase across a number of months. Our interest free loans require at least a 10% deposit and a minimum spend of £500. Glasswells acts as a credit broker and not the lender and only offers finance from V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC, who acts as the lender. 

9.9% APR Finance

Our 9.9% APR loans require no deposit and offer competitve interest rates, they also have the option of longer repayment periods, allowing you to spread the cost of purchase over a greater period of time (up to 48 months maximum). 9.9% APR loans, as like 0% APR loans, still require a minimum spead of £500. Glasswells acts as a credit broker and not the lender and only offers finance from V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC, who acts as the lender.

0% APR

A Minimum 10% Deposit is Required

10, 12, 18, 24 Monthly Repayment Periods Available

Minimum order spend £500

9.9% APR

No Deposit Required

24, 36, 48 Monthly Repayment Periods Available

Minimum order spend £500


 

Credit is subject to status. Terms and conditions apply.

N.B. If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.

 

 

Credit is subject to status. Terms and conditions apply.

N.B. If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.

How It Works

Applying for finance is easy and straight forward. Simply add your item(s) to your basket, if they total over £500 then you qualify for finance. 

Using the 'Apply for Finance' feature pick a credit option which best suits your needs, the calculator will then display both your total repayment amount and monthly repayment installments. 

The video to the left-hand side explains how to complete a purchase using finance on the Glasswells website.

If you have any other questions about how the service works, or would just like to know more, please e-mail us at webteam@glasswells.co.uk.

 

Frequently asked Questions

You can find the answers to most queries here. If you have any further queries then please do not hesitate to contact us.

Am I eligible?

To apply for finance you must be: At least 18 years old. A permanent UK resident. In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment. In receipt of a pension if you are retired. Able to confirm sufficient income if you are registered disabled.

Who provides the finance?

Our finance is supplied by V12 Retail Finance. It is the UK's only specialist retail finance provider. Its secure and friendly online system can provide you with a decision in seconds.

Can my order be sent to a different address?

Finance orders can only be shipped to the address given in your finance application.

When do I start to pay?

You don't start paying for finance until a month after the date of delivery of your order.

Can I pay off the loan early?

Yes you can. Simply call V12 on 02920 468900 and they will help arrange this with you.

Interest Free Credit available up to 12 months on furniture and carpet purchases of £500 and above. Minimum 10% deposit required. Typical example purchase price £2000, deposit £200, balance £1800 - 12 equal monthly payments of £150.00, 0% APR representative. Credit is provided subject to acceptance by an external finance company. Not available for any in-store concessions.

Glasswells registered office: Newmarket Rd, Bury Saint Edmunds IP33 3TU. Glasswells acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.