To apply for finance and to satisfy our pre-check criteria you will need to meet the following requirements.

• Applicants must be 18 years or over on the date the application is placed
• A permanent UK resident, and has been for at least three years;
• In regular permanent employment, working a minimum of 16 hours per week, self-employed or retired; or on long-term disability benefit.
• To process your application, please have the details of your bank or building society current account available (This account needs to be eligible for direct debits. Only personal accounts can be used, business customers cannot use their business bank account details).
• We also need to check your identity and signature and therefore the following forms are accepted:
  • valid UK Bank debit or credit card
  • valid passport
  • valid European identity card
  • valid full UK photo card driving license
  • valid UK provisional photo card driving license
  • valid driving license

Our staff can help you find the best finance solution for your needs. We will talk you through the various benefits of each one so that you can decide which works best for your financial requirements. Before entering into an agreement you will have time to review the details and ask any questions you may have.

APR stands for ‘annual percentage rate’. It is the total cost of the loan expressed as an annual percentage of the total amount of credit. The APR helps customers compare different loan offers.

An APR calculation doesn’t include fees or charges a customer has to pay if they miss or are late making a repayment.

No at present. Finance is exclusive to purchases you make in-store. Finance will be available for online purchases at a future date.

In most cases a decision will be made immediately. On some occasions we may need to wait for the credit lender to review your application and they may ask additional questions. A decision will normally take around 10 - 20 minutes. Applications made later in the day that are referred may not be resolved until the following day.

Yes - all agreements can be paid off in full early. However depending on the finance product you take you may incur a settlement fee or be subject to a settlement figure calculated at the time you wish to pay off your finance.

Yes - Barclays send all customers a welcome letter by post or electronically. This confirms information such as the agreement number, the amount and date of the repayments, and the bank details used to collect repayments.

Barclays also send you a statement on the anniversary of the date the loan was set up unless you have already paid off the loan by that date.

Yes - you can withdraw from the loan agreement within 14 days after entering into the agreement. Simply contact your local store where you purchased the product, or call our customer service team and we can discuss taking alternative payment for the goods you have purchased. The agreement will then be cancelled and a confirmation sent to you. Used (or activated) items cannot be returned for a refund if you decide to cancel the agreement.

Yes – if you make a payment late or miss a payment then you will be subject to additional charges as a result.

You can contact Barclays Partner Finance on 0844 811 7777. Calls will cost no more than 7p per minute plus your phone company’s access charge. (International calls will be charged at a higher rate – please check with your telecoms provider.) To maintain a quality service Barclays Partner Finance may monitor or record phone calls.

Finance agreements taken out prior to June 26, 2018 were taken out with V12 Retail Finance. V12 Retail Finance can be contacted on 02920 468 900, Monday to Firday 8am-8pm, Saturday 9am-6pm and Sunday and Bank Holidays 10am-5pm.