At Gaynor Sports we offer 0% finance on all orders over £450, allowing you to spread the cost of your order over 6 months without any interest being charged or a deposit.
You can apply for finance either from the product or via the basket, 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.
The online application takes minutes to complete and can be done on your computer through our fully automated online service at the checkout. By making a finance application you are in no way committing to taking out finance until you have signed the agreement.
Example repayments - The repayments on an order with the value of £450 would be 6 monthly payments of £75.00
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.
During the loan application process you will be asked for the personal information; Name, 3 year address history, Date of birth, Email address, Telephone contact details, Employment / income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.
With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.
For finance orders we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person. For more details about our delivery option please click here.
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 is unable to share the reason for decline with Gaynor Sports. 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.
Our chosen finance provider is V12 Retail Finance. V12 Retail Finance are the UK's leading Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through their long-term dedicated funding lines.