0% Interest Free Credit


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.


Who is eligible to apply for finance online?

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.

  • Interest Free Credit agreements can be used for purchasing new items with retail selling prices between £300 and £16,500. This excludes Sale items or pre-owned items.
  • Interest Free Credit is not available on the purchase of Gift Cards.
  • Some terms online may not be the same or available in our showroom.
  • Interest Free Credit cannot be used in conjunction with any discount, promotional codes or cashback options on our website, unless otherwise specified. We apologies for any inconvenience which this may cause.
  • Deposits for Interest Free Credit orders must be paid by Debit or Credit Card.


Step-By-Step Guide To Interest Free Credit

  1. To apply for Interest Free Credit, simply Sign in if you already have an account with us. If you are new to Lumbers.co.uk then you will have to create an account.
  2. Having selected the item(s) you wish to purchase, proceed to checkout and select ‘Home Delivery’.
  3. Next click ‘Continue to Payment’, selecting Interest Free Credit from the options and click ‘Apply for IFC’. We have various terms available over from 6 to 36 months, you will only be able to select the payment terms applicable dependant on the value of your order.
  4. You will now be diverted to the application form for your Interest Free Credit plan. Enter all of the information that is applicable to you.
  5. You will then be asked for your credit card details to place the deposit for your order. Once you are happy with everything click ‘Place Deposit’. Deposits must be placed with Debit or Credit Cards.
  6. The finance company will then process your application and once accepted; we will both receive a notification. We will only despatch your order once we have received notification that your application has been successful.


Order Returns

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. 


Declined Credit Applications

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.


Points to be aware of:

  • All Interest Free Credit orders must be delivered to your billing address – this is the address which your credit card is registered to and the address V12 Finance will review your application against.
  • Your deposit will be paid via debit or credit card directly to V12 finance. If your application is unsuccessful, then the deposit will be returned to your account via V12 Finance.
  • Should you cancel your credit agreement and have already received products from us, then you will be liable to pay V12 Finance in full for the product (unless your cancellation rights apply).




Once my application is approved, what happens next?

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

Will you credit score me and if so, what does this mean?

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

If my application is declined, what is the reason?

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.

What type of information do credit reference agencies hold about me?

Some of the information is in the public domain and some is restricted under GDPR regulations and therefore can only be accessed by yourself.

How do I obtain a copy of this information?

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.

Can I re-apply if my application is unsuccessful?

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.

Can I request delivery to an address other than my home?

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.

Who are V12?

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.