Here at Oswammdsmith we are able to offer 0% APR finance on orders that exceed £1000, you can apply for our finance option in the basket. If your order is between £500 and £1000 you will still be eligible for finance over 12 months with an 0% APR. Please note that finance is only available to customers 18 years and above.

Duration	Order Value	APR	Minimum Deposit	Maximum Deposit
6 Months	Over £1000	0%	10%	50%
10 Months	Over £1000	0%	10%	50%
12 Months	Over £1000	0%	10%	50%
12 Months	Over £500	9.9%	10%	50%
24 Months	Over £500	9.9%	10%	50%
36 Months	Over £500	9.9%	10%	50%

The online application takes minutes to complete and can be done on your computer through our fully automated online service at the checkout, a decision is usually instant.
By making a finance application, you are in no way committing to taking out finance until you have signed the agreement.

FAQ’s

1: How fast will my application be processed?

Most applications will be processed within seconds of you submitting your application online via our basket area between the hours of 9am and 11pm. It is possible that your application may be referred for further scrutiny by a 0% APR Representative, in this instance you will receive an e-mail once a decision has been made on your application.

2: What do I need to do if my application Is accepted?

V12 Finance will ask you to digitally sign (online) your credit agreement with them, once this has been done we will dispatch your order as soon as possible.

3: My application was declined, why?

Unfortunately V12 or Oswammdsmith will not be able to tell you why your application was declined, many factors can determine if an application is successful or not. Some factors that could determine if you are successful or not, include;

• You are under the age of 18
• Your credit score
• Any adverse credit history
• If you are considered to be over-committed with your existing loans and agreements
• Poor history with other lenders

All finance companies will contact one of three credit reference agencies including: Experian, Call Credit and Equifax to determine if you are eligible for finance. You can visit these companies to find out what your credit score is, scores can be different for each Credit Reference Agency. You can also find helpful advise on how Finance companies decide if an application is successful or not, how to keep a good credit score rating and many other helpful tips.

You can also contact the above Credit Reference Agencies to request to see all the information they hold about you, a small fee will be charged and will be different depending on which Credit Reference Agency you contact.

Please be aware we can’t always offer 0% finance with any other offer or discount.

FCA Disclosure

Oswammdsmith Ltd acts as a broker and not the lender and only offers finance from Secure Trust Bank PLC T/A V12 Retail Finance. Oswammdsmith Ltd is authorised and regulated by the Financial Conduct Authority, Registration Number 741124. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. Subject to age, status and affordability, minimum spend applies.