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We currently offer finance from PayPal Credit and V12 Retail Finance.
Please read below to find out more about the different options available.


PayPal Credit Logo

Get 0% APR for 4 months when you spend £250 with PayPal Credit.

Offer available on single transactions of £99 or more, approval subject to age and status. Any remaining balance due after the 4-month promotional period will be charged at 23.9% p.a. (variable).

Representative 23.9% APR (variable)
Purchase rate 23.9% p.a (variable)
Assumed credit limit £1,200

Your actual interest rate and credit limit may vary depending on your individual circumstances.

Finance provided by PayPal Credit. Terms and conditions apply. Credit subject to status, UK residents only, Keswick Flooring Limited acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.

For more information, full terms and FAQs, please visit the PayPal Credit website


V12 Finance Logo

Use our interactive tool below to compare the options available from V12 Finance.

Amount to borrow

0% APR Example

This is a loan of with no deposit and no interest. The full amount is paid in monthly installments. Minimum order value depends on products purchased but will be clearly marked - please see individual products for details. Credit approval is subject to age and status.

Cash Price
Deposit (if applicable) £0.00
Number of monthly installments
Annual rate of interest
Monthly installment amount
Total amount repayable
Representative APR 0%

For any questions regarding finance, call us on 01842 769333

Paperless
Application
Instant
Online Decision **
No Deposit
Required

** In most cases

How V12 Finance works

  • Step One

    Add enough goods to your basket to qualify for Finance.

  • Step Two

    At the payment stage in Checkout, choose the ‘Pay by Finance’ option.

  • Step Three

    Complete the V12 Retail Finance application form. There's no deposit to pay!

  • Add enough goods to your basket to qualify for Finance.
  • At the payment stage in Checkout, choose the ‘Pay by Finance’ option.
  • Complete the V12 Retail Finance application form. There's no deposit to pay!

V12 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.

If you have any questions regarding finance, please call us on 01842 769333

* Some sale products may be excluded from finance - please see individual products for details.

PayPal Credit Logo

*0% APR for 4 months is available on single transactions of £99 or more, approval subject to age & status. Any remaining balance due after the 4-month promotional period will be charged at 23.9% p.a. (variable). Representative 23.9% APR (variable), purchase rate 23.9% p.a (variable), assumed credit limit £1,200. Click here for full details

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