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Furniture Finance
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Minimum Spend£2,499
Purchase amount£2,499
Cost per month£104.13
Instalments24
Representative APR0%
Fixed rate of interest per annum0%
Total repayable£2,499
Total charge for credit£0
Deposit amount0%
Minimum Spend£500
Purchase amount£500
Cost per month£17.08
Instalments36
Representative APR14.9%
Fixed rate of interest per annum7.66%
Total repayable£614.88
Total charge for credit£114.88
Deposit amount0%
Qualifying for Credit
You must:
- Be at least 18 years of age
- Have been a UK resident for 3 years or more
- Have a matching billing and shipping address
- Be able to make repayments by direct debit
- Be in regular employment* (minimum of 16 hours per week), including self-employment, or in permanent residence with your spouse/partner who is in regular employment.
Credit will be available on products/services from £500 as set out below:
- 14.9% APR representative over 36 months on orders between £500 – £2498 with 0% Deposit.
- Interest free over 24 months on orders over £2499 with 0% Deposit.
If my application is not successful, can I re-apply?
Yes. 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.
Declined Credit Applications
If your credit application is declined, you will receive notification via email from our credit partner, V12 Finance, with further instruction on how to dispute the decision.
About our lenders
Moreham Wood Ltd Trading as Oak&More is registered in England & Wales – 14575780, registered address Kinetic Business Centre, Theobald Street, Borehamwood, Hertfordshire, United Kingdom, WD6 4PJ.
Oak&More is a trading name of Moreham Wood Limited. Our FCA registration number is 1001017. Moreham Wood Limited is an Appointed Representative of Product Partnerships Limited who are authorised and regulated by the Financial Conduct Authority (FCA registration number 626349). Moreham Wood Limited is the broker and not the lender and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. The permissions of Product Partnerships Limited as a Principal firm allow Moreham Wood Limited to undertake credit broking. Credit provided subject to age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the FCA.
From time to time, we may vary the terms of our finance offer at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply, and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Finance as a payment method is provided through our external partner V12 Retail Finance. If your application is successful, you will enter into a Credit Agreement with V12 Retail Finance.
Frequently Asked Questions
You may borrow up to £15,000. The minimum priced item with credit available is £500.
No, no deposit is required.
All monthly payments are paid by direct debit from your personal bank account. Typically, the first payment will be due one month after the date of delivery finance, subsequent monthly payments will be due every month for the length of your term on that day of the month.
The online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company, and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we cannot give you an instant decision, you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.
Yes. A credit check forms part of the automated decision-making process.
Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance via your online account management, by phone, e-mail or letter at the following;
Telephone: 029 2046 8900
Email: [email protected]
Address:
V12 Retail Finance Limited
25-26 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.
If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please check your online account management or call V12 Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.