Interest Free Credit

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Here at Homes Direct 365 we are able to offer 0% 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 APR rate of 9.90%. 



Order ValueAPR   

Minimum Deposit

Maximum Deposit   

6 Months 

Over £1000  

10 Months 

Over £1000 

12 MonthsOver £1000  0%10%50%
12 Months

Over £500

24 Months Over £5009.9%10%50%
36 MonthsOver £5009.9%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.


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 V12 Finance 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 Homes Direct 365 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;

  • 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.