Finance Offers

We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by V12 Retail Finance you will be asked to ESign the credit agreement and once in receipt of your purchase, V12 will make your agreement live and your monthly repayments will commence for the agreed term. In short retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget.

Options Available

Subject to availability, the typical products we offer are:

6 months Interest Free Credit
12 months Interest Free Credit

* Finance is only available on floors that have not been previously discounted.


Eligibility Criteria

You must:

Be at least 18 years of age
Have been a UK resident for 3 years or more
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

*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

Interest Free Credit

This is an interest free loan with no arrangement fees

You repay the loan amount through equal monthly payments spread over the chosen repayment period

Minimum loan of [£1000] applies]

Interest Bearing Credit

This is an interest bearing loan with interest charged at the given APR, there are no additional arrangement fees

You repay the loan amount and total interest spread equally over the chosen repayment period

Minimum loan of [£1000] applies]

Buy Now Pay Later

This is a loan where you make no initial monthly payments for the set number of months

After the payment free period has ended you can settle the loan off by paying it back in full along with a settlement fee (if applicable)

If you choose not to settle in full, the loan rolls into an interest bearing loan with interest charged at the given APR. You then repay the loan and interest spread equally over the chosen repayment period]

Take 5

With this product you pay an upfront fee of 5% (of the loans value) and then spread the loan over 5 monthly repayments with no additional interest or charges applied

applying for finance


Mail Order

In Store


If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.


You will be informed of the decision if the lender declines your application, the lender in unable to share the reason for decline with us. Applications are usually declined for reasons such as:

  • you do not meet the eligibility criteria (see above);
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be over committed; or
  • your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.


The Surrey Wood Flooring Company Ltd trading as One Wood Floors acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

The Surrey Wood Flooring Company Ltd is registered in England and Wales 5120245. Registered office: 350, West Barnes Lane, New Malden, Surrey, KT3 6NB.