Why Choose Finance?

Put simply, you can wait until you've saved up enough money for that new Combi Drill, Impact Driver or Circular saw that's holding you back from fine work. Or, you can use our flexible finance packages and get your hands on the gear you want, instantly! And we offer 0% interest options, so you don't have to pay over the odds!

How Do I

We've partnered with V12 finance as they specialise in Tools Industry and provide a simple and easy application process. On each product page you'll see a finance calculator which will help you work out what the repayments on that product will be. What's more when you get to the checkout you'll see another calculator, and you can apply for finance on your whole basket! At the checkout, simply choose V12 Finance as your payment method and you'll be guided through the application process. BUY NOW TOOL KITS


Loan Calculator

Finance is subject to status. Terms and conditions apply.
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APR representative.


Am I Eligible For Finance?

To apply for Finance with V12, you'll need to be:

  1. 18 years or older.
  2. A UK resident for 3 years or more/Permanent UK resident.
  3. Able to make regular repayments by Direct Debit.
  4. In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*.
  5. Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.
  6. Other conditions may apply and we cannot guarantee that your application will be accepted.

* If you are retired and receive a pension, or registered disabled and unable to work, V12 may ask for proof of sufficient income.

What Information Is Required?

During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and 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.

What If My Application Is Declined?

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted. If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it’s usually for one of the following reasons:

  1. You do not meet the eligibility criteria.
  2. Adverse credit reference agency information.
  3. Your credit score rating is too low.
  4. You are considered to be overcommitted financially.
  5. Your existing account performance with other lenders.
  6. If you wish to appeal the decision made, it’s advised you obtain an up to date copy of your credit report before appealing directly to V12.

Due to data protection, all customer appeals must be email to or for more advice, call V12 on 02920 468 900.

How Long Will It Take For A Decision?

With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. 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.

Returns & Cancellation Procedure

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.

V12 Retail Finance Limited registered in England and Wales 4585692 and authorised and regulated by the Financial Conduct Authority. Registration number: 679653.