Finance Options
SPREAD THE COST
OVER 4 YEARS*
At Barker and Stonehouse, we believe in making the amazing affordable. Which is why you can spread the cost of whatever takes your fancy with our range of finance options.
Choosing to pay for your furniture on finance means you can order right away without having to wait too long for that perfect addition to your home. In return, you simply make regular monthly payments for a fixed amount over a set time, so you always know where you stand.
So, whether you're looking for a high-quality sofa, replacing your old beds or furnishing a new home, our finance plans can make your dreams a reality.
*Subject to affordability, age and status - minimum spend applies.
Interest free credit (0% apr) | 6 months
Available on purchases over £500
Interest free credit (0% apr) | 10 months
Available on purchases over £500
Interest free credit (0% apr) | 12 months
Available on purchases over £1000
classic credit (9.9% apr) | 24 months
Available on purchases over £500
classic credit (9.9% apr) | 36 months
Available on purchases over £500
classic credit (9.9% apr) | 48 months
Available on purchases over £500
Finance Example
Spread the cost with our range of finance options. This example is based on a £1000 purchase with a 10% deposit.
Interest free credit
(0% apr)
£90.00 per month
for 10 months
| Value of purchase: | £1000 |
| 10% deposit: | £100 |
| Amount of loan: | £900 |
| Interest rate: | 0% APR |
| Annual rate of interest: | 0.00% fixed |
| Monthly payment: | £90.00 |
| Terms of agreement: | 10 months |
| Total cost of credit: | £0 |
| Total amount repayable: | £900 |
Classic credit
(9.9% APR Representative)
£22.61 per month
for 48 months
| Value of purchase: | £1000 |
| 10% deposit: | £100 |
| Amount of loan: | £900 |
| Interest rate: | 9.9% Rep. APR |
| Annual rate of interest: | 5.15% fixed |
| Monthly payment: | £22.61 |
| Terms of agreement: | 48 months |
| Total cost of credit: | £185.28 |
| Total amount repayable: | £1185.28 |
Classic credit
(9.9% APR Representative)
£28.83 per month
for 36 months
| Value of purchase: | £1000 |
| 10% deposit: | £100 |
| Amount of loan: | £900 |
| Interest rate: | 9.9% Rep. APR |
| Annual rate of interest: | 5.11% fixed |
| Monthly payment: | £28.83 |
| Terms of agreement: | 36 months |
| Total cost of credit: | £137.88 |
| Total amount repayable: | £1137.88 |
Classic credit
(9.9% APR Representative)
£41.32 per month
for 24 months
| Value of purchase: | £1000 |
| 10% deposit: | £100 |
| Amount of loan: | £900 |
| Interest rate: | 9.9% Rep. APR |
| Annual rate of interest: | 5.09% fixed |
| Monthly payment: | £41.32 |
| Terms of agreement: | 24 months |
| Total cost of credit: | £91.68 |
| Total amount repayable: | £1091.68 |
Credit is provided subject to affordability, age and status with a 10% deposit. Minimum spend and terms and conditions apply.
How it works
1. Add your chosen furniture to your basket with a value over £500 (excluding deposit).
2. Select V12 Retail finance at the checkout and choose your preferred finance plan. Make sure your billing and delivery address are the same!
3. You’ll then be taken to the V12 Retail Finance platform where you can complete your online credit agreement and pay your deposit.
4. Once accepted, you’ll receive a confirmation email within 24 hours.
Frequently asked questions.
Are there any restrictions?
We always try to be responsible lenders, so to make sure interest free credit is right for you and repayments are affordable, we do ask for the following criteria to be met:
- Is 18 years of age 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.
What are the options?
Up to 12 months Interest Free Credit (0% Typical APR) - minimum 10% deposit
6 months interest free credit for orders over £500
10 months interest free credit for orders over £500
12 months interest free credit for orders over £1,000
Up to 48 months Classic Credit (9.9% Typical APR) - minimum 10% deposit
24 months classic credit for orders over £500
36 months classic credit for orders over £500
48 months classic credit for orders over £500
Order value excludes deposit.
What personal details do I need to apply for credit?
You’ll be asked to fill in some details so should have the following to hand:
- Previous address if you’ve moved in the last three years
(We can only deliver your order to the address that has been used to apply for House Credit. Purchases via House Credit can’t be delivered to an alternative address) - Bank details including account number and sort code
- Email address and contact telephone number
- Daytime and / or evening number plus your work number – these should include at least one landline
- Employment and income information
What if you'd like to cancel your order after applying for credit?
That’s okay but please let us know at the earliest opportunity by writing to our team or sending an email. Your deposit will be refunded back on to the same debit or credit card used to pay the depost. It can take up to 7 days for this to display in your account.
Address:
Internet Sales Department
Haydock Park Road, Teesside Retail Park, Stockton on Tees, TS17 7BG
Email: sales@barkerandstonehouse.co.uk
What is V12?
Barker and Stonehouse Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Our registration number is 721572. Barker and Stonehouse Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender.. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
V12 Retail Finance Limited is Registered in England and Wales under registration number 4585692.
Authorised and regulated by the Financial Conduct Authority. Registration number: 679653.
Address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
Need a hand?
If you’d like someone to help out with your application, just call our Sales Team who’ll be happy to lend a hand.
0333 010 2352
Lines are open:
Monday - Friday: 8am - 8pm
Saturday: 9am - 5.30pm
Sunday: 11am - 5pm
If your application was unsuccessful?
Should, for whatever reason, your application be unsuccessful we will get in touch and chat through alternative ways to place your order for you.
If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk