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Why wait to make that special purchase? Whether it's a gift, special occasion or a well-deserved treat, Interest Free Credit gives you the flexibility to spread your payments over 6, 9, 10, 12, 15, 18, 20, 24, 30 or 36 months depending on the value of your order. All that is required is a minimum of 10% deposit and that you meet the qualification criteria.
(The maximum deposit is 50% of the retail selling price)
If you’re thinking of applying for Interest Free Credit, please ensure you read our information and guidance below.
To apply for finance, you must be over the age of 18, work at least 16 hours a week or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 36 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren’t excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application. You must have a credit or debit card registered in your name and home address. You must also have a current account with a bank or building society, for the monthly payments to be taken via direct debit. You will also be asked for an e-mail address and a mobile telephone number.
If you’re thinking of applying for Interest Free Credit, please ensure you read our information and guidance below.
If you have changed your mind and wish to cancel your application and/or return your order, standard conditions apply for returns and cancellation periods. Please see: Returns & Refunds
In the event that your order contains more than one item, please note that you will need to return the full order in order to cancel the finance agreement. This means that if, for example, you have purchased 3 items but would like to return 1 of those items, then all 3 items must be returned to us. Once the products arrive safely back at our head office, we can then hold the two remaining products for a limited period, to allow you to purchase them via credit/debit card or, to re-apply for finance.
If your credit application is declined, you will receive a notification via email from our credit provider, V12 Finance, with further instruction on how to dispute the decision.
The credit advertised is provided by one credit provider - V12 Finance, with whom we have a commercial relationship.
Within minutes of your application being Approved you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement lumbers.co.uk will be notified and you need to do nothing more. Products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Finance. We aim to deliver all orders received before 2 pm, by the following day, Monday to Friday. Orders placed over the week end or during Bank holidays will take longer to deliver
No, we do not credit score you, but credit scoring is the process used by financial services companies to evaluate the credit risk of a potential purchaser. This technique will be applied to your online application with V12 Finance and if successful, then your application will be approved. Lumbers ltd do not have any input or access to this process
The online V12 finance process relies entirely upon the accuracy and completeness of the information which you have supplied, in conjunction with the credit referencing carried out by V12 Finance. Lumbers Ltd do not have access to the reason for a declined application therefore, if you wish to appeal the decision made by V12, it is advised that you obtain an up-to-date copy of your credit report by contacting the Experian Help Centre, before appealing directly to V12. Due to data protection all customer appeals must be dealt with directly with V12 by email to [email protected] or by phone, by calling 02920 468 916.
Some of the information is in the public domain and some is restricted under GDPR regulations and therefore can only be accessed by yourself.
In most cases you can request a copy of your credit report by contacting the below credit reference agences.
There are links below to each of the agencies websites as to how to request your information.
Experian Limited, Consumer Help Desk, PO Box 8000, Nottingham, NG1 5GX
Equifax Ltd, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US.
TransUnion Information Group Ltd, Consumer Services, PO Box 491, LEEDS, LS3 1WZ
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
Yes you can. We understand that circumstances may change and because your application was declined doesn’t mean that every application thereafter is automatically turned down. We do however suggest that you leave at least 6 months between applications.
In order to safeguard against fraudulent applications, we regret that were able only to deliver goods to the applicant’s home address. Saturday deliveries can be arranged if this is more convenient for you.
We've teamed up with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.
www.lumbers.co.uk is a trading site of Lumbers Ltd, Company Number: 1834566, Registered Office: 62-66 High Street, Leicester, LE1 5YP; Authorised and regulated by the financial conduct authority. Credit is provided by V12 Retail Finance, Authorised and Regulated by the Financial Conduct Authority.