On-line Interest Free Credit
With Interest Free Credit you have the choice of spreading your payments over 6, 9, 12, 18, 24 or 36 months depending on the value of the item you have purchased. Term | Minimum Spend | Deposit | Minimum Credit Balance | 6 Months | £500 | 10% | £450 | 9 Months | £500 | 10% | £450 | 12 Months | £1,000 | 20% | £800 | 18 Months | £1,000 | 20% | £800 | 24 Months | £1,500 | 20% | £1,200 | 36 Months | £750 | 10% | £675 |
Cash Price | £500 | Less deposit (minimum 10%) | £50 | Amount of credit | £450 | Payable by 9 monthly instalments of | £50 | Total amount payable | £500 | Typical APR 0% |
1. | Interest Free Credit is available on all items that are not available on sale items or in conjunction with any other offer. | 2. | To apply for Interest Free Credit, select this option when you are selecting how to pay for your purchase(s). Select how many months you would like to spread your payments, from 6, 9,12, 18, 24 or 36 months payment terms vary depending on the value of the item, you will then be automatically directed to the next page. | 3. | If you already have an account with us then just sign in and your delivery and billing details should appear on screen. Alternatively, you can fast-track that option by typing in the address where you would like your item(s) delivering to. Once complete, click 'Proceed to Checkout'. | 4. | The next page should give you a detailed breakdown of your Interest Free Credit plan. You will also have to enter your card details to pay for the deposit, either 10% or 20% depending on the value of the item. Once you are happy with everything, click 'Pay'. | 5. | You will now be diverted to the application form for your Interest Free Credit plan. Enter all of the information that is applicable to you. Once the form as been completed and submitted, you will be given the option of either printing off the application form or request that the forms be sent to you in the post. | | 6. | BEFORE YOU ORDER IS AUTHORISED FOR GOLDSMITHS.CO.UK TO DESPATCH, YOU HAVE TO SIGN AND SUBMIT THE FORMS TO:
Operations Department, v12finance.com, 19-20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ | 7. | The finance company will process your application and once accepted, we will receive notification. We will only despatch your order once we have received notification that your application has been successful. |
Interest Free Credit is unavailable on the purchase of all sale items and gift cards.
Discount or promotional codes cannot be used in conjunction with Interest Free Credit related purchases. We apologise for any inconvenience that this may cause.
Please note when considering returning items bought with Interest Free Credit, the order must be returned in full to Goldsmiths. This means that if, for example, you have purchased 3 items through Interest Free Credit but would like to return 1 of those items then all 3 items must be returned back to us in full. Your application will have been given full consideration through Clode’s credit scoring system. This system takes into account information provided directly by you, on your completed application form. Points are allocated to each piece of information supplied and then added up to produce a total score. A Credit Reference Agency will also have been contacted and a score applied to the information they hold about you. Your application may have been declined either due to the score attributed to your application details or the score from the Credit Reference Agency, not meeting Clode's minimum requirements. As your application may have been declined due to information from a Credit Reference Agency, in accordance with section 26 of the Consumer Credit Act 1974, Clode are required to notify you that the Agency consulted on your applications was:- Experian Help Service
P.O. Box 8000
Nottingham
NG1 5GX The Agency will be happy to provide you with a copy of your file if you write to them direct enclosing a £2.00 administration fee. If your application was declined due to the score attributed to your personal application details the information you receive from Experian may not show anything detrimental. We understand that you may be unhappy with Clode's decision and wish to discuss the matter further. Unfortunately, due to the Data Protection Act they are unable to discuss this with you over the telephone. However, you can write to Clode Retail Finance Limited, 19-20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ marking your letter for the attention of Customer Services, they will be happy to provide you with more information regarding the decision. Please rest assured that Clode's decision to decline your application is known only to yourself and Goldsmiths and has not been disclosed to any outside organisation. As a member of the Finance and Leasing Association (FLA) and the Consumer Credit Trade Association Code follow the principles of the FLA's "Guide to Credit Scoring" agreed with the Office of Fair Trading. |
