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Buy today and pay later by selecting one of our flexible finance options.
Add any product over £99 to your basket and select 'PayPal Credit', if you spend more than £275 you can choose longer periods for finance by selecting 'V12 Finance' at the payment stage in our checkout.
Pick your plan. We offer 24, 36 & 48 month plans with our V12 Finance option in the checkout, alternatively PayPal Credit is available in the basket for shorter term finance.
Fill in your details and complete your Application for credit. Interest is fixed at just 19.9%APR with V12 Finance, and 19.9%APR with PayPal Credit which you can select in the basket . If your application is successful you will need to e-sign your finance agreement as soon as possible to secure your preferred delivery date.
Flexible repayment options are available on all items over £99, making those big investments easier to manage.
And all it takes is a simple application form. You can choose to spread the cost over as long as 48 months using our V12 Finance payment choice at a rate of just 19.9%APR or you can choose shorter term finance using PayPal Credit at a rate of 19.9%APR.
Order value (cash price) £400, total amount of credit £400 with no deposit to pay, 19.9% representative APR, annual rate of interest 10.17% fixed, 12 monthly payments of £36.72, total amount payable £440.64.
Here’s a table we’ve put together using a £500 purchase example, take a look to see how payments are broken down.
| Term | Provider | Representative APR (Fixed) | Min Spend | Deposit | Payments | Total Payable |
| 48 Months | V12 Finance | 19.9%APR | £275 | £50 Deposit | £13.28 per month | £687.44 |
| 36 Months | V12 Finance | 19.9%APR | £275 | £50 Deposit | £16.33 per month | £637.88 |
| 24 Months | V12 Finance | 19.9%APR | £275 | £50 Deposit | £22.52 per month | £590.48 |
| 18 Months | PayPal Credit | 19.9%APR | £99 | No Deposit | £31.88 per month | £573.82 |
| 12 Months | PayPal Credit | 19.9%APR | £99 | No Deposit | £45.50 per month | £546.03 |
| 6 Months | PayPal Credit | 19.9%APR | £99 | No Deposit | £87.74 per month | £526.43 |
The short answer is, you probably are! Our credit providers carry out credit checks and both have a few key requirements for offering finance, please make sure you meet these simple requirements
*minimum of 16 hours per week and also includes self-employed
That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.
You don't need much - you just need a credit or debit card and your bank account details.
When you're applying for finance there is a possibility you could be declined. This can often be due to one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.
Add any product over £400 to your basket and select 'Pay on Finance'.
Once you’re in the basket, choose the ‘Pay nothing’ option. Then, fill out the short application form and you’ll get an instant decision. You'll need to e-sign your "approved finance" agreement as soon as possible to secure your delivery date.
Before your 12 months deferred period ends, you can choose to pay in full, with a £35 settlement fee, or spread the cost over 36 months respectively paying monthly at 19.9%APR representative interest.
As long as your order comes to £400 or more, with Buy Now Pay Later you can take a nice long payment holiday.
That means nothing to pay for 12 months, after your 10% deposit which you pay once your finance application has been accepted. Repay the full amount of the credit together with a settlement fee of £35.00 at any time up to the date on which your first monthly instalment falls due or pay monthly over 36 months with a fixed rate of just 19.9%APR representative. And, it couldn’t be easier to apply, just fill out our short and simple application form when you check out.
Order value (cash price) £500, total amount of credit £450 with £50 deposit (10% of order value) to pay, 19.9%APR representative, annual rate of interest 13.58% fixed, 36 monthly payments of £19.28, cost of credit is £279.08, total amount payable £779.08.
Buy now pay later option. If you exercise the buy now, pay later option before the end of the non-payment period shown in the agreement, the amount of credit re-payable will be £450 plus the settlement fee of £35, but you will pay no interest. If you have not paid this sum in full by that date interest (at the above specified rate) will be charged from the date we told you your agreement was live. If you have made any partial payments interest will be charged only on the amount of credit that remains outstanding. A reminder will be sent by V12 Finance to you before the non-payment period ends.
| Finance Options | Representative APR (Fixed) | Deposit to pay | Payments | Total Amount Payable |
| Buy Now Pay Nothing for 12 months | 19.9%APR | £50 Deposit 10% of order |
After 12 months if you choose 36 months: £19.28 |
£744.08 plus £35 settlement fee |
The short answer is, you probably are! Our credit provider carries out credit checks and has a few requirements for offering finance but please make sure you meet these simple requirements
* If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.
That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.
Yes you can pay off as much as you like, whenever you like. You will not be charged for paying your balance off before the end of the fixed term on an interest bearing finance product, there is a £35 settlement fee on Buy Now Pay Later finance products.
You don't need much - a credit or debit card, your bank account details and your employer details.
When you're applying for finance you always need to remember that there is a possibility you will be declined. This can often be caused by one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.
We've teamed up with V12 Retail Finance Limited ("V12") to offer you flexible and affordable options to pay on finance. V12 is one of the UK's leading providers 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. Buy It Direct Limited of Unit A, Trident Business Park, Neptune Way, Huddersfield HD2 1UA Registered Number: 04171412 is acting as a credit broker for V12.
Laptops Direct are part of the Buy It Direct Group; Company Reg. No. 04171412. Head Office: Neptune Way, off Leeds Road, Huddersfield, HD2 1UA
