Build now, pay later with Scan Finance.

Buy now pay later...

when you spend only £225 (inc vat) or moreIn association with market leaders V12finance.com, we are one of the very first companies to offer this kind of outstanding deal to our customers. We are now able to give approval decision within a mere 15 minutes.

Please note: If your application is accepted an arrangement fee will be applied. The administration charge will cover the cost of obtaining credit references and the processing of the agreement.

Finance options

Buy Now Pay Later (9 Months / 39) 19.9%

After a 10% deposit pay nothing for 9 months

Classic Credit 24 Months 15.9%

After a 10% deposit pay £13.07 for 24 months

Classic Credit 36 Months 15.9%

After a 10% deposit pay £9.34 for 36 months

Classic Credit 48 Months 15.9%

After a 10% deposit pay £7.49 for 48 months

The Buy Now Pay Later scheme (BNPL) is the ideal way to buy your purchases from Scan. With the exception of a 10% deposit, you can purchase and enjoy the benefits of any eligible product or combination of products from our portfolio NOW and make NO payments for 9 months.

How does it work?Provided you settle the full balance (after 10% deposit) before the 9 month deferred period has expired, then no interest charges will be incurred. However, if you choose not to settle within the 9 month deferred period, then you will incur interest. The example below, based on a purchase of £615.00, explains this: Should you choose to pay the outstanding balance off in full within the deferred period then no interest will be charged, however a £29 settlement fee will be charged.

Finance Examples

Buy Now Pay Later (9 months)This is a Buy Now Pay Later agreement. Customers will initially only have to pay a 10% deposit, with the original loan amount payable in the 9th month, in order to incur no interest charges.

Goods price £615.00
10% Deposit £61.50
Amount of loan £553.50
Monthly Instalments x Months: £21.36 x 39
Total Charge for credit:(Interest) £279.54
Total amount payable:(Balance + Deposit + Interest) £894.54

If the balance of £533.50 is paid in or before the 9th month no charges for credit will be incurred.

Please make sure you note the date on the welcome letter at which your deffered period ends, as no further reminder letter will be sent by the finance provider

Low cost classic finance 24 / 36 or 48 monthsFor customers who prefer to opt for a traditional credit package, our Low Cost Classic Finance product offers the ideal solution. Classic Finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 24, 36 or 48 equal monthly payments, at a low APR of 15.9% on all balances above £250.00

Classic credit 24 months 15.9% example

Goods price £615.00
10% Deposit £61.50
Amount of loan £553.50
24 monthly repayments of: £26.79
Total amount payable:(Balance + Deposit + Interest) £704.46

For customers who prefer to opt for a traditional credit package, our Low Cost Classic Finance product offers the ideal solution. Classic Finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 or 48 equal monthly payments, at a low APR of 15.9%.

We are licensed credit brokers. Credit is subject to status and written quotations are available on request.

Frequently Asked Questions FAQs

What is financing? Scan.co.uk are committed to offering the very best products money can buy with the most convenient ways of paying for your goods. Financing is a convenient way of purchasing your goods with a minimum outlay and spreading the cost over a period of time that is convenient to you.

Who is eligible? To apply for financing you must be aged between 18 and 75, work at least 16 hours a week or disabled/retired with an income. Homemakers are not excluded either and can apply under their own names but we will require their spouses employment details. You must also be a resident of the UK and have lived here for at least 3 years.

Who is this available for? Scan finance is available to retail customers only.

How can I apply? Applying for financing couldn't be easier or more convenient. After you have selected your purchases, all that is required is to fill out a simple on-line application form and we will do the rest.

What Do I Need To Apply? To apply for finance you must meet the following criteria:

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years continual address history.
  • You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • 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.
  • How much can I borrow? When checking out, just complete the easy online application form that you’ll receive from V12 Retail Finance and you can be approved instantly for up to £15,000 to allow you to make the purchase you’ve been dreaming of, and pay for it in easy manageable instalments.

    Is a deposit required? Yes, a minimum 10% deposit will need to be paid upon acceptance on all finance options.

    When will I know if my application for financing has been approved? An instant decision will be given online whether or not your application for credit has been approved.

    Once my application has been approved, what happens next? Once your application for finance has been approved we will release your goods for shipment immediately. Typically the first payment will be due one month after the delivery of your goods.

    Can I ask for my purchases to be delivered to my work address? To safeguard against fraudulent applications, we can only deliver to your home address. However, for a small surcharge, we can arrange for your goods to be delivered on a Saturday morning if that is more convenient for you.

    Are there any additional charges? If your application is accepted an arrangement fee of £20 will be applied (charge applies for Buy Now Pay Later option only)

    Why is there a V12 arrangement fee? V12 apply this charge to cover the costs incurred during the application process, this includes doing a credit check in order to process the application. The charge is only payable on acceptance of an agreement and should your payment not be authorised, you will not be charged.

    How are my monthly payments made? All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.

    What type of goods can I buy on Finance? Anything on our website. Please remember that the minimum order value for finance is £225(inc vat)

    Can I pay off my loan early? You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

    Who provides the finance ? Consumer credit service provided by V12 Retail Finance. V12 Retail Finance is licensed by The Office of Fair Trading (Consumer Credit Licence: 0594229).

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