Finance and Interest-Free Credit Options
Selected purchases can be funded through Secure Trust Bank PLC, trading as V12 Retail Finance.
Important finance information
Credit is subject to affordability, age and status, and minimum-spend levels apply. Delivery can only be made to the address entered on the finance application and goods cannot be released until V12 Retail Finance confirms approval.
R.E. Dawson Ltd, trading as eCookshop.co.uk, is authorised and regulated by the Financial Conduct Authority and acts as the broker, not the lender. FCA registration number 671334. We offer credit products from Secure Trust Bank PLC, trading as V12 Retail Finance.
Interest-free credit examples
6 months at 0% APR
Available on qualifying purchases of £500 or more.
| Cash price | £500 |
|---|---|
| Deposit | £50 |
| Amount of credit | £450 |
| Payments | 6 payments of £75 |
| Interest | £0 |
| Representative APR | 0% |
| Total payable | £500 |
10 months at 0% APR
Available on qualifying purchases of £1,000 or more.
| Cash price | £1,000 |
|---|---|
| Deposit | £100 |
| Amount of credit | £900 |
| Payments | 10 payments of £90 |
| Interest | £0 |
| Representative APR | 0% |
| Total payable | £1,000 |
Classic credit examples
24-month example
Available on qualifying purchases of £349 or more.
| Cash price | £750 |
|---|---|
| Deposit | £75 |
| Amount of credit | £675 |
| Payments | 24 payments of £32.67 |
| Interest | £109.08 |
| Representative APR | 15.87% |
| Annual fixed rate | 8.08% |
| Total payable | £859.08 |
36-month example
Available on qualifying purchases of £349 or more.
| Cash price | £750 |
|---|---|
| Deposit | £75 |
| Amount of credit | £675 |
| Payments | 36 payments of £23.34 |
| Interest | £165.24 |
| Representative APR | 15.87% |
| Annual fixed rate | 8.16% |
| Total payable | £915.24 |
Examples are representative. The agreement shown during application will contain the terms applicable to your purchase.
Applicant criteria
Applicants must:
- be aged 18 or over;
- be in permanent paid employment, self-employed, a homemaker, retired and receiving a pension, a working student in part-time work, or receiving a disability benefit;
- have lived in the UK for at least three years;
- have a debit or credit card registered in their name and at their address to pay any deposit;
- have a bank or building-society current account for the direct-debit instruction; and
- have an email address for application information and the signed credit agreement.
How to purchase using finance
- Add the required products to your basket.
- Enter your name and address. Delivery can only be made to the address used on the finance application.
- Select the finance checkout option.
- Complete the V12 application and pay any required deposit. V12 will make the lending decision.
- After approval, we will process and despatch the order while you make the agreed monthly payments.
Delivery and declined applications
Goods can only be despatched after V12 confirms that the application is complete and approved. Collection or delivery to an alternative address is not available.
V12 will notify you if an application is declined and does not tell us the reason. Reasons can include eligibility, credit-reference information, credit score, existing commitments or account performance. If you believe information was entered incorrectly or wish to appeal, contact V12 Retail Finance directly.
The lender and further terms
Secure Trust Bank PLC, trading as V12 Retail Finance, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Firm reference number 204550. Registered address: Yorke House, Arleston Way, Solihull, B90 4LH. Company number 00541132.
- Stock is not allocated until an application is complete and approved.
- We may withdraw finance from selected products.
- If returned items reduce the order below the minimum loan amount, another payment method may be required or the whole order may need to be returned.
- If you cancel a credit agreement after receiving goods, you remain liable to pay for them unless your cancellation rights apply.
Faulty or misdescribed goods
Your rights under the Consumer Rights Act 2015 apply. Contact our customer support team if a product is faulty or misdescribed. Where applicable, complaints about a regulated agreement may be referred to the Financial Ombudsman Service after our final response.