At 1staudiovisual we have a range of special finance options that provide customers who prefer not to pay by credit or debit card with an easy and attractive alternative. V12 on-line finance is a convenient way to purchase the products you want today without breaking the bank, giving you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget. Read on for more information, including specific examples and your questions answered.

1staudiovisual offers different finance plans in conjunction with v12finance.com. and is available on all purchases over £400 inc VAT*.

Your step by step finance application guide
    1.  Choose your product and go to check out.
    2.  Choose your V12 finance option and click continue to complete an on-line application.
    3.  Print, sign and send off your application.
    4.  Once your returned documents have been received, you will be contacted and delivery will be arranged.

V12 Finance Option     

Buy now pay in 6 months
Make a purchase of over £400 inc VAT and pay nothing for 6 months. An initial outlay of 10% is required as a deposit and providing the outstanding balance is paid in full before the 6 month period expires no interest is incurred. Please note a £29 set-up fee also applies.

    

Buy now pay in 9 months
Make a purchase of over £400 inc VAT and pay nothing for 9 months. An initial outlay of 10% is required as a deposit and providing the outstanding balance is paid in full before the 9 month period, no interest is incurred. Please note a £49 set-up fee also applies.

    

Low Cost Classic Finance
For larger purchases, the option is available to spread the cost over a 36 month period. 10% deposit is required.

Applying for finance only takes a few minutes and your financial approval will be turned round within seconds. Below are some frequently asked questions and some example calculations for the finance plans we offer. If you have any further questions or any comments you would like to make then get in touch with us here. Alternatively you can contact v12finance.com.

Buy now pay in 6 months
This is a Buy Now Pay Later (BNPL) loan agreement. Spend £400 more and enjoy your purchases right away - make no payments for 6 months. An initial 10% deposit is required and provided the balance is paid in full before the 6 month loan agreement expires, no interest is incurred. Should the outstanding balance not be paid in full before the BNPL agreement expires, you can simply continue to repay the remainder of the balance over the next 42 months.

Here is an example of a 6 month deferred deal with a 42 month repayment plan for a £1000 purchase:

Sale Price (inc VAT) Less 10% Deposit* Amount that you wish to borrow Interest/Total Charge for Credit Total Amount Payable Against Loan by 42 Monthly Repayments of Annual Percentage Rate (APR) Total Amount Paid at End of Agreement

£1000.00 - £100.00 £900.00 £675.78 £1546.78 £36.83 29.8% £1675.78

Please note there is a £29 arrangement fee, which will be applicable on successful applications.

* The 10% deposit may be altered to secure a more rounded loan amount. This may mean that the 10% deposit could be altered to slightly more or less than 10% of the initial purchase.

Buy now pay in 9 months
This is a Buy Now Pay Later (BNPL) loan agreement. Spend £400 or more and enjoy your purchases right away - make no payments for 9 months. An initial 10% deposit is required and provided the balance is paid in full before the 9 month loan agreement expires, no interest is incurred. Should the outstanding balance not be paid in full before the BNPL agreement expires, you can simply continue to repay the remainder of the balance over the next 39 months.

Here is an example of a 9 month deferred deal with a 39 month repayment plan for a £1000 purchase:

Sale Price (inc VAT) Less 10% Deposit* Amount that you wish to borrow Interest/Total Charge for Credit Total Amount Payable Against Loan by 39 Monthly Repayments of Annual Percentage Rate (APR) Total Amount Paid at End of Agreement

£1000.00 - £100.00 £900.00 £705.63 £1605.63 £41.17 29.8% £1754.63

Please note there is a £49 arrangement fee, which will be applicable on successful applications.

* The 10% deposit may be altered to secure a more rounded loan amount. This may mean that the 10% deposit could be altered to slightly more or less than 10% of the initial purchase.

Low Cost Classic Finance
For larger purchases, the option for a more traditional lower cost credit package is also available. Buy now and pay over a 36 month period. This more traditional finance offer is a hassle free personal loan at a rate of interest set at 19.9% over a 36 month period allowing you to spread the cost of the purchase over 36 equal monthly payments.

Here is a typical example based on a purchase of £1000:

Sale Price (inc VAT) Less 10% Deposit* Amount that you wish to borrow Interest/Total Charge for Credit Total Amount Payable Against Loan by 36 Monthly Repayments of Annual Percentage Rate (APR) Total Amount Paid at End of Agreement

£1000.00 - £100.00 £900.00 £275.40 £1175.40 £32.65 19.9% £1275.40

* The 10% deposit may be altered to secure a more rounded loan amount. This may mean that the 10% deposit could be altered to slightly more or less than 10% of the initial purchase.

FAQ
1- How Quickly will my application be processed?
If your on-line application is received between 9am and 11pm, in most cases you will know immediately if your application has been accepted or declined. However, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.

2- If my application is accepted, what happens next?
If your application for credit is accepted you need to sign and return the credit agreement to V12 Finance Ltd. Your order will be despatched to you once V12 Finance have received the signed application.

3- What is Credit Scoring?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for on-line finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

4- If I have been refused credit can I apply again?
We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.

5- Who is my financial agreement with?
Your financial agreement will be with V12 Finance Ltd.

6- Who is eligible for finance with 1staudiovisual?
To apply for finance with 1staudiovisual Ltd, you must be between the ages of 18 and 75, and you or your partner must work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the past three years or more. Unfortunately, we are unable to offer on-line finance to residents of Eire.

7- Why has my application been declined?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Although we are unable to provide you with a reason if your application is declined, it is usually based on one or more of the following reasons:

• Adverse credit reference agency information
• Your credit score (note that every finance company will score you differently)
• You are aged under 18
• You are considered to be overcommitted
• Poor account performance with other lenders

8- What type of information do credit agencies hold about me?
Some of the information is public, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them, for instance, your payment history and outstanding balance. Any requests for credit, where a credit reference search has been undertaken will also be filed, although the result of the request is not recorded.

9- Can I obtain a copy of information credit agencies hold about me?
For a small fee, you can obtain this information the relevant agencies. Useful addresses:

Consumer Help Desk
Experian Limited
PO Box 8000
Nottingham
NG1 5GX

Equifax
Department 1E
PO Box 3001
Glasgow
G81 2DT
You can also visit the companies websites to find out more about credit decisions:
http://www.experian.co.uk and http://www.equifax.co.uk

10- Can I have my order delivered to somewhere other than my home address?
In order to safeguard applications, orders that are being paid for by credit can only be delivered to your home address. Once the finance agreement has been approved, and a delivery address confirmed, it cannot be changed.

11- Will my order be reserved for me until the finance is approved?
Yes! We will reserve your stock for 5 working days from submitting your finance request. To avoid disappointment, ensure you send your agreement directly back to V12 Finance as soon as you can.

* Subject to status. Terms and conditions apply.