Interest Free Credit

Interest Free Credit Available. In Store or Online.

Now you can spread the cost of buying beautiful furniture with Interest Free Credit. To apply for Interest Free Credit you either use the finance option on checkout or visit our store where one of our advisers will be happy to take you through the short application process. There's no charge and repayments are totally interest-free!

Do I need to pay a deposit?
If you wish to opt for our interest free (0.0% APR) finance then a minimum 30% deposit is required, you can increase the deposit amount if you wish. 

When do I have to start paying?
Your monthly instalments start one month after your goods are delivered.

How do I apply for Interest Free Credit?
You can apply for Interest Free Credit online by using the 'Apply For Finance' option at checkout or in store.



Buying on finance? Use our calculator to find a deal to suit you

I'm looking to spend


with a deposit of


Choose your finance option

0% Finance

9.9% Finance

9.9% Finance

Monthly payment


Loan Term: 6 months

Deposit to pay now: £360.00

Total amount payable: £1,200.00

Total interest: £0

Total loan amount: £840.00

Annual fixed interest: 0%

Two Options. One Solution.

We currently offer two finance options to our customers, Interest Free and 9.9% APR.

Option 1 - Interest Free Credit

0% APR

A Minimum 30% Deposit is Required

6 Monthly Repayment Periods Available

Minimum order value £1200

Option 2 - 9.9% APR

9.9% APR

30% Deposit Required

24, 36 Monthly Repayment Periods Available

Minimum order value £1200


If you would like to opt for a longer repayment period when applying for finance, we also offer 24 and 26 months at 9.9% APR option.    

Easy as 1,2,3

Applying for finance is easy and straight forward. Simply add your item(s) to your basket, if they total over £1200 then you qualify for finance. Using the 'Apply for Finance' feature pick a credit option which best suits your needs, the calculator will then display both your total repayment amount and monthly repayment instalments. 

Step One

Choose your item of £1200 or more and click 'add to basket' (We also offer finance for multiple items totalling £1200 or more)

Step Two

Review your order and select 'Apply For Finance' at checkout (or come in-store and speak to one of our advisors).

Step Three

Pick a finance option that suits you. We offer 0% or 9.9% APR, with an initial deposit of 25%.

Beadle Crome (Reading) Ltd  acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance. We may receive a commission on interest bearing agreements if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. 

important to Understand

Are there Any Restrictions?

To make sure that our Easy Payments are right for you, there are some restrictions in place

  • You must be over 18
  • You or your partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit.
  • You must have been a resident in the UK for at least 3 years.
  • Has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit
  • Has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

Credit Provided By A Leading Provider

You can relax knowing that your finance agreement is provided by V12 Retail Finance, one of the leading UK providers of retail credit solutions.

The interest free credit (0% APR representative) and interest bearing credit (9.9% APR representative) advertised is provided solely by V12 Retail Finance. It is provided subject to acceptance and the terms and conditions of V12 Retail Finance. Written details on request. Licensed credit broker.

Beadle Crome Interiors of Reading Ltd  acts as a credit broker and will introduce you to V12 Retail Finance Limited in order to complete your application for finance. We never receive commission for Interest Free Credit Applications, successful or otherwise.

You won't pay interest providing you meet repayments

If your application for an Interest Bearing loan is successful, we may receive a commission and the amount will vary depending on the product chosen and the amount of credit taken out.

V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

Moving Home?

If you are moving home or gifting to a friend or relative, please complete the application with the address your bank, mobile etc is linked to. After completion of your order contact the web team by email at with the new details. We will pass this information to V12 Finance who will contact you for clarification before giving us permission to deliver to the new address.

Need A Hand?

If you’d like someone to help out with your application, just call our accounts team on 01189 581356 who’ll be happy to lend a hand. 

Lines are open:
Monday - Friday: 9.30am - 5pm
Saturday: 9.30am - 5pm
Sunday: 9.30 am - 4pm

Cooling Off Period

Your 14 day cooling off period starts the day after your E-Signature is completed on the credit agreement, or in cases where a physical signature has been made, the period starts the day after we receive back your agreement paperwork. Your finance repayments will begin within 30 days of delivery of furniture in your order (in most cases we deliver your order in its entirety in one drop).

Vulnerable Customer Support

As part of our commitment to the FCA’s Consumer Duty Principle we make it easier for customers to notify us that they may need support completing their application, understanding their credit agreement, or managing their account.

At the beginning of your application

 Do you need additional support completing your application?

If you need support completing the form, please call V12 Finance on 02920 468916 or email Our opening hours are Monday to Friday (including bank holidays) 8am – 8pm, Saturday from 9am – 6pm, and Sunday from 10am to 5pm.


After you  have signed your agreement


Do you need additional support managing your account?

If you feel you require additional support for any reason, V12 Finance have a dedicated Specialist Support Team on hand to help. Please visit Support for individual circumstances page to find out how.

Further you will be asked if you want V12 Finance Specialist Support Team to contact you?


  • No, I don’t need any support managing my account
  • Yes, I have specific accessibility requirements (braille, large print, coloured paper)
  • Yes, I have problems hearing and prefer contact by email
  • Yes, I have problems hearing and need to use a relay service
  • Yes, and I would prefer to speak to the Specialist Support Team about what I need