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Interest-free credit

Thinking of spreading the cost of a trolley?

Finance is a fantastic way to spread the cost of your purchase. To make it easy we’ve partnered with V12 whose smart technology lets you apply for and then complete the loan application quickly and entirely online.

Check your eligibility

Before you apply please note you will only be considered for finance if you:

  • Are 18 or older
  • Are, or your partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
  • Have been a resident in the UK for at least three years
  • Have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable)
  • Have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

    Our payment plan options

    We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over anything from six to 48 months. The value of the loan only needs to be over £500 and you can choose a deposit from only £150.

    Here's an example:

    0% finance over 12 months

    Cash Price £1,749
    Amount of Deposit £175
    Total amount of credit £1,599
    Loan Term 12 months
    Annual Rate of Interest (Fixed) 0%
    Monthly Repayment £133.25
    Representative APR% 0%
    Total Cost of Credit £0
    Total Amount Payable £1,599

    Paying with finance

    Simply add the purchases to your basket and then click on "Checkout now". When you reach the final "payment" stage of the checkout process, select 'Apply with Finance' and then click on "Complete order".

    Your order will be confirmed and you will be able to click on "Apply for Finance": the application form takes no more than a couple of minutes to complete and then you’ll receive an instant decision from V12.

    Finance decision

    Your application will be assessed based on various factors including eligibility, credit history and affordability and V12 will let you know the outcome of their decision in just a few seconds. It’s important to know that when applying for finance a hard credit check is made and this is recorded on your credit file.

    Once approved, you just need to digitally sign your credit agreement, pay your deposit and then wait for your order to arrive.

    In a very few cases, your application may be referred to a lender for manual underwriting. In such cases 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. You should gain a copy of your credit file and this will be able to give you more information.

    Repaying the loan

    Your first direct debit payment will be taken about 30 days after you have received your purchase. This will show on your statement as a payment to V12 Ltd. You have the right to repay all or part of the loan early at any time.


    There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this, you need to notify V12.

    A finance agreement does not affect our standard refund and returns policy. Just contact us and we can cancel your application and V12 will refund your deposit. They will let you know of any outstanding balance if applicable.

    Stewart Golf returns and cancellation policy

    The legal bit

    Stewart Golf Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 742219. Stewart Golf Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. 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 is a trading name of Secure Trust Bank PLC. They are registered in England and Wales (company number 4585692) and authorised and regulated by the Financial Conduct Authority (register number 679653). For more information please go to

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