Finance

We understand sometimes you get that perfect idea in your head, and you've just got to have it.

Now you can make your dream reality whilst spreading the cost over a period that suits your needs.

Spread the cost of your purchase with one of our credit options! We've teamed up with V12 Finance to bring you a range of flexible credit plans for up to 4 years, all with no deposit to pay.

All of our options are available online, in store and even over the phone. Get in touch today to see if you are eligible for our finance options, or view below for more information and representative examples.

No Hidden Fees What you are quoted is what you'll pay
Quick Application Apply in minutes and receive an instant decision
No Paperwork All documents are digital and are signed using an e-signature
Credit available for up to 4 years A range of options to suit your needs
Online, In-Store and via Phone Talk about finance in a manner that suits you

Our Offerings

	Classic Credit	24 Months	36 Months	48 Months	Interest Free	Interest Free
Term (months)	24 / 36 / 48	24	36	48	10	20
Representative APR (fixed)	15.9% APR	15.9% APR	15.9% APR	15.9% APR	0% APR	0% APR
Interest Rate per year (fixed)	8.09% / 8.17% / 8.30%	8.09%	8.17%	8.30%	0%	0%
Min. Spend	£500	£500	£500	£500	£2000	£6000
Deposit	£0	£0	£0	£0	£0	£0

Representative Examples

Classic Credit - 48 Months Our classic pay monthly representative example shows the breakdown of a purchase of £750, spread over 4 years with our 15.9% APR representative classic credit option.

Cash Price	£750
Term	48 Months
Deposit	£0
Total Credit	£750
Representative APR (Fixed)	15.9% APR
Interest Rate per year (Fixed)	8.30%
Monthly Payment	£20.81
Cost of Credit	£248.88
Total Payable	£998.88

Interest Free - 20 Months Our interest free pay monthly representative example shows the breakdown of a purchase of £4000, spread over a year with 0% APR representative.

Cash Price	£6000
Term	20 Months
Deposit	£0
Total Credit	£6000
Representative APR (fixed)	0% APR
Interest Rate per year (Fixed)	0%
Monthly Payment	£300
Final Payment	£300
Cost of Credit	£0
Total Payable	£6000

Am I Eligible?

If you're applying for finance, you need to:

Spend over £500
Is 18 or older
Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part-time work or in receipt of a disability benefit
Has been a resident in the UK or Jersey for at least 3 years
Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
Has an email address to receive the important information throughout the application process, including their signed credit agreement

Terms & Conditions

Consumer finance on directwoodflooring.co.uk is organised and administered jointly by Connection Flooring Limited T/A Direct Wood Flooring and V12 Retail Finance Limited.
Finance on directwoodflooring.co.uk is only applicable to purchases made on https://www.directwoodflooring.co.uk
The Direct Wood Flooring finance option is available on any directwoodflooring.co.uk order over £500.00 including VAT.
All offers of finance are subject to acceptance by Secure Trust Bank PLC T/A V12 Retail Finance. Connection Flooring Limited accepts no liability in relation to the credit analysis and resulting contractual obligations. Please direct all enquiries in writing to: V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
Please keep a copy of the Terms and Conditions as well as your invoice for your records. We advise applicants to keep the documents relating to the financing application.
If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
Connection Flooring Limited reserves the right to change these Terms and Conditions at any time.
Connection Flooring Limited are authorised and regulated by the Financial Conduct Authority.
Connection Flooring Limited acts as a broker and offers credit from Secure Trust Bank PLC T/A V12 Retail Finance. Secure Trust Bank PLC T/A V12 Retail Finance act as a credit intermediary. They are registered in England and Wales (company number 4585692) and authorised and regulated by the Financial Conduct Authority (register number 679653).

Finance Disclosure

Connection Flooring Ltd (07924240) t/a Direct Wood Flooring is a broker not a lender and offers credit products from Secure Trust Bank PLC T/A V12 Retail Finance. Connection Flooring is authorised and regulated by the Financial Conduct Authority FRN: 801786. V12 Retail Finance Limited (4585692), Yorke House, Arleston Way, Solihull, B90 4LH, is authorised and regulated by the Financial Conduct Authority FRN 679653. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority. * Credit is provided subject to affordability, age and status. Minimum spend applies.

Complaints Policy

Please see our complaints policy via this link. In the unlikely event you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response. Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk.