INTEREST FREE CREDIT & FINANCE

 

At FitKit UK we offer 0% finance on everything over £250. You can apply for finance from the product page on the website. 0% finance lets you spread the cost over several months to several years without any interest charges. We can usually offer between 3-12 months finance depending on the value of the item.

Our finance is provided by V12 Finance who are a well-regarded company with over 15 years' experience in providing finance to customers of UK jewellers. V12 has extensive experience in this area and is currently growing its presence in this market.

The online application takes minutes to complete and can be done on your computer through our fully automated online service at the checkout. Alternatively, it can be done in-store. 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.

FAQ's

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 FitKit UK 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: ExperianCall 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.

4: Will my item be reserved until my finance application has been processed?

Yes, your item will be reserved for you until a decision has been made by V12 finance on your application.

Please be aware we can't always offer 0% finance with any other offer or discount. 

Top