Finance Terms & Conditions

FlooringSupplies.co.uk is a trading name of Keswick Flooring Ltd, a company registered in England No. 4431986, VAT No. GB511003721. Keswick Flooring Ltd trading as FlooringSupplies.co.uk is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 758868. Keswick Flooring Ltd trading as FlooringSupplies.co.uk offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance and PayPal. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

• Am I eligible for finance?
  In order to apply for finance you must:

  • Be at least 18 years of age.
  • Be employed for more than 16 hours a week or self-employed.
  • Have been a UK resident for 3 years or more.
  • Be able to make repayments by direct debit.
  • Be able to provide your previous address if you have lived at your current address for less than 3 years.
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.
• Is there a minimum order value for credit applications?
  Yes, there's a set minimum and maximum on each finance option, so be sure to check your order qualifies. Some products may require a different minimum or maximum order value so please check individual products for details.
• Which products are eligible for standard finance?
  All of our products are eligible for our standard finance option, as long as the order meets the minimum and maximum values.*
• Do you require a deposit?
  No deposit is required on any of our options.
• What information do I need to supply?
  The application form asks for your name, date of birth, 3 year address history, phone and email contact details and income / employment information. If you are accepted you will also need a credit or debit card registered to your name and address as they appear on the application.
• How long will it take to apply?
  It takes around 5 minutes to fill out the form and you should get an answer to your application instantly. However in some cases V12 Retail Finance, our finance provider, will need a little more time to look at the application in more detail.
• What address can you deliver to?
  We are only able to deliver your goods to the address on your credit agreement (your home address). You will not be able to have goods shipped to another address or collect the goods from us in person. However you can call V12 Retail Finance Underwriting to verify your alternative address.
• What happens after my application is approved?
  After your application is approved, you will receive an email directly from V12 Retail Finance - our chosen lender - who will outline the next steps to follow to confirm your identity. We will then ready your order for delivery.
• What happens if my application is not approved?
  In the event that your application is not accepted, you are still welcome to pay with the conventional methods offered on our site.
• Am I able to pay off my finance early?
  Yes. Simply contact V12 Retail Finance on 029 2046 8900 and they will calculate your outstanding finance and provide your settlement figure in line with the Consumer Credit Act. The total amount payable varies on the option you choose:
  - With an interest bearing agreement, you can settle the loan at any time and you’ll only pay the interest accrued up to the point you pay off the loan - for more information regarding early settlement, please contact V12 Retail Finance directly.
  - The 0% APR offer can simply be paid whenever you're ready, for no extra cost.
• Does finance affect my ability to return goods?
  No, returns are still accepted according to our Terms and Conditions provided you cancel within 30 days of placing your order. Our Customer Services department will contact the finance company on your behalf in this situation. If the full order is returned, the credit agreement will be cancelled. If only part of the order is returned, the credit agreement will be adjusted accordingly.