Finance

V12 Retail Finance logoWe offer a range of finance options, through V12 Finance, including Buy Now Pay Later and Classic Credit. Whether you're upgrading your equipment, expanding your current collection or just getting started, our finance options can help you to spread the cost of your new purchase.

 

Choosing a finance option that is right for you is easy with our online calculator. You'll find this next to every eligible product and at the checkout. Finance options are available on orders over £200 and the majority of applications are processed within 15 minutes (during working hours) with many being instantly approved. Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address.


Now you can buy the latest digital cameras and lenses, video cameras, binoculars, telescopes, studio lighting and lots more without having to worry about a large, upfront cost.

 

 

 

How to pay using Finance:

(Click here if you are ordering an item with an Interest Free Credit option)

 

IMPORTANT

Please note that any Finance applications which have not been completed within 12 hours of the original order time, will be cancelled automatically without notice, unless you contact us.

In the case of duplicate orders where both payment methods are Finance, the oldest order will automatically be cancelled, without notice.

If, for any reason, you are unable to complete the Finance application, please contact us.

 

1. Add your item(s) to the basket. 

The Finance Calculator here will allow you to see the Finance options available to you and will clearly display your deposit options, repayment amounts and APR (where applicable). The online calculator will only show you the finance options applicable to your order total.

 

Wilkinson Cameras Finance calculator

 

To be eligible for Finance, your order total must be £200 (excluding postage) or more. The maximum value depends on the finance option you choose.

 

 2. Once you are happy with your order click proceed to checkout - Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address. Therefore in stages 2 (Billing information) and 3 (Delivery Information) these addresses must match.

 

3. On the payment information stage of the Checkout, select "Apply for Finance"

 

Wilkinson Cameras apply online for finance at checkout

 

 

4. Click "Continue" and wait until your order is confirmed. Do not refresh or close your browser. You will be taken the the page below.

(If the item you are purchasing has an Interest Free Finance offer available, this is the final step. Click here if you are buying a product with an Interest Free Credit offer available for more information.)

 

5. Click "Apply Now" and wait to be taken to the V12 website. 

 

V12 Finance Application

 

6. You will be taken to the page below. Here you can select your finance options using the drop down options to the right.

7. Choose your options and click "Apply Online Now" - You will now be taken to the V12 Finance website to complete your application.

Applications are usually approved within 15 minutes, during working hours, and V12 will send you an email confirmation/further information. Your items are reserved until the application is approved. Your order will go ahead as normal once your application has been approved or it will be cancelled if the application is rejected. Please be aware that Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address, regardless of whether you choose an alternate delivery address when placing your order.

V12 Finance

 

IMPORTANT

Please note that any Finance applications which have not been completed within 12 hours of the original order time, will be cancelled automatically without notice, unless you contact us.

In the case of duplicate orders where both payment methods are Finance, the oldest order will automatically be cancelled, without notice.

If, for any reason, you are unable to complete the Finance application, please contact us.

Goods can only be delivered to the the address on the finance agreement. Please contact us for more information.

Finance orders cannot be shipped to an alternate address and will only be dispatched to the billing address, regardless of whether you choose an alternate delivery address when placing your order.

 

Finance options:

Buy Now Pay Later

Buy Now Pay Later - 6 months/42
Buy Now Pay Later - 9 months/39
Buy Now Pay Later - 12 months/36

There are three options for Buy Now Pay Later, depending on how long you would like to defer the payment. With these options you can choose to pay the full amount in 6 / 9 /12 months (depending on the option you choose) and an additional settlement fee of £40*. You will pay no interest if the loan is repaid within your chosen time period. Should you decide not to pay the amount in full within the period, this will default to a credit bearing loan with a 19.9% APR** for the remaining period of 42, 39 or 36 months (depending on your original option chosen).

Buy Now Pay Later is available on orders over £200. The maximum loan amount is £5000. You could therefore place an order with a value of up to £10,000 when placing a 50% deposit. The Finance calculator at the checkout will only show you the options applicable to your order total.

 *For finance agreements taken out with V12 Retail Finance via Wilkinson Cameras on or after September 1st 2017, the settlement fee for Buy Now, Pay Later is £40. For finance agreements taken out with V12 Retail Finance via Wilkinson Cameras on or before August 31st 2017, the settlement fee for Buy Now, Pay Later was £29.

**For finance agreements taken out with V12 Retail Finance via Wilkinson Cameras on or after September 1st 2017, the credit bearing loan for Buy Now Pay Later options has an APR of 19.9%. For finance agreements taken out with V12 Retail Finance via Wilkinson Cameras on or before August 31st 2017, the credit bearing loan for Buy Now Pay Later options has an APR of 29.8%.

 

Example:

Finance option chosen: Buy Now Pay Later 12 months / 36

Deposit: £0

Order total: £799.98

Loan amount: £799.98

Cost of credit if paid within 12 months: £.0.00

Total amount payable if paid within 12 months: £799.98 + £40.00 settlement fee = £839.98

 

Should the loan amount not be paid in full within the 12 month period, you would automatically enter into a loan agreement with 36 equal payments with an APR of 19.9%
If you settle earlier than 36 months you will only pay the interest accrued over the number of months you have had the loan.

Finance is only available to UK residents over 18, subject to terms and conditions.

 

Classic Credit

Classic Credit 24 months (19.9% APR)
Classic Credit 36 months (19.9% APR)
Classic Credit 48 months (19.9% APR)

Classic Credit in an interest bearing loan that allows you to easily spread the cost over a number of months. You can choose from 24 months, 36 months or 48 months. You will enter into an agreement to pay equal monthly installments over a fixed period of time. Interest is accrued at a rate of 19.9% APR. Our online calculator will show you your monthly payments and the total cost including interest for your chosen payment plan.

Classic Credit is available on orders over £200. The maximum loan amount is £15,000. You could therefore place an order with a value of up to £30,000 when placing a 50% deposit. The Finance calculator at the checkout will only show you the options applicable to your order total.

 

Example:

Finance option chosen: Classic Credit 24 Months

Deposit: £0

Order total: £799.98

Loan amount: £799.98

Number of monthly payments: 24

Monthly payment: £40.04

Cost of loan: £160.98

Total amount payable: £960.96

APR 19.87%

Finance is only available to UK residents over 18, subject to terms and conditions.

 

Interest Free Finance Offers

This option is available only on selected products. Check the "Promotions" tab on a product to see if it is eligible for Interest Free Credit,

PLEASE READ CAREFULLY if buying a product with an Interest Free Finance offer.

 

When selecting "Apply for Finance" at the checkout, you will then proceed to place your order using the "Place Order" button. From here, you will be redirected to the V12 Finance website.

You will not be able to select an Interest Free Finance Option. Please simply close the window.

 

We will be notified that you have selected to apply for finance and we will manually trigger an email with your application. We will aim to do this in as short a time as possible, but please allow up to 1 working day. The email will come from V12 Finance, not Wilkinson Cameras so please look out for this in your emails.

Please note, that the only option for Interest Free Finance is a 12 month period with no deposit.

 

More information on Finance can be found here.

 

Example of a 12 Month 0% Finance Agreement:

Camera price: £5199.00

Deposit: £0.00

12 x monthly installments: £433.25

Total payable: £5199.00

0% APR

 

Frequently Asked Questions

Who is Eligible for Finance?

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment. If you are retired and receive a pension, V12 Retail Finance may ask for proof of sufficient income.
  • You must have a UK bank account capable of accepting Direct Debits.
  • You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.

 

 Can I still have my order shipped to a different address?

  • Unfortunately, when choosing to pay with Finance, we can only ship your order to your billing address. Orders paid for using a finance option will only be dispatched to the billing (finance agreement) address, regardless of whether you choose an alternate delivery address when placing your order.

 

Do I have to pay a deposit?

  • On orders below £5000 for Buy Now Pay Later, no depost is required, but is optional
  • On orders below £15,000 for Classic Credit, no deposit is required, but is optional
  • Orders above these amounts will require a deposit, which will be specified on the Finance Calculator at the checkout

 

How much can I borrow?

  • For Buy Now Pay Later agreements you can borrow up to £5,000. Deposits are not included in this value. If your order total is £6000, you can pay a £1000 deposit and apply for the remaining £5000 on Buy Now Pay Later.
  • For Classic Credit agreements you can borrow up to £15,000. As above, this does not include the deposit amount.

 

Who are V12 Finance?

Frank Wilkinson Cameras Ltd. have partnered with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

Frank Wilkinson Cameras Ltd. trading as "Wilkinson Cameras" - Registered in England and Wales. Company No. 1945826
Frank Wilkinson Cameras Limited acts as a credit intermediary offering credit products from V12 Retail Finance Limited. Frank Wilkinson Cameras is authorised by the FCA with credit licence number FRN672245.
Credit is subject to age and status.

 

 

 

phone 01772 252188
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phone YOUR LOCAL STORE
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