Thinking of choosing finance?
Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with V12 Retail Finance. Their smart technology lets you apply for and complete the loan application quickly and entirely online.
Simply add the items you love to your basket. Once at checkout select the finance option that suits you and then choose V12 Retail Finance. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy!

Check your eligibility
You will only be considered for finance if you:
• Are at least 18 years old
• Are in regular full or part-time employment (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
• Are a permanent UK resident and have lived in the UK for at least 3 years.
• Have a UK bank account capable of accepting Direct Debits
• Have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies.
• Provide an email address so your documentation can be emailed to you.

Our payment plan options
We offer a range of interest bearing finance options to help you spread the cost of your purchase over 6, 12, 24, 36, 48 or 60 months. The value of the loan needs to be over £500 and you can choose a deposit of between 20% – 50% of the value of the goods.

Paying with finance
Simply add the purchases to your basket and select V12 Retail Finance at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
Take a look at our products available with finance and shop now

Finance decision
Your application will be assessed based on eligibility, credit history and affordability and V12 Retail Finance will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, V12 Retail Finance will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan
Your first direct debit payment will be taken around 30 days after you receive your goods. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Cancellation
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.
A payment plan does not affect our standard refund and returns policy- you may be asked to pay the outstanding balance to us via an alternate method.  Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
For any other questions contact us on 01200 444488

PLEASE NOTE 
Orders placed via V12 Finance are not eligible for split deliveries, we can only deliver full orders in one delivery once all items are in stock with us. If there are several items you wish to combine into one order with different lead times please get in touch with us before filling in your finance application so we can discuss this further with you.

The legal bit
Shackletons Home & Garden is authorised and regulated by the Financial Conduct Authority, register number 674269 and act as a credit intermediary.
Finance is provided through the V12 Retail Finance platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.
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).