Interest Free Credit

It's a hassle free, instant decision, and you can take your items home today!

What are you waiting for?

As we are committed to bringing people and jewellery together, we look for more and more ways to make a significant purchase as easy as possible.

We therefore provide an excellent Interest Free Credit Scheme.

Processing Time - it's super quick!

With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision.

For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

Options Available

Subject to availability, the typical products we offer are:

  • 6 months Interest Free Credit – 0%
  • 12 months Interest Free Credit – 0%
  • 24 months Interest Free Credit – 0%
  • 36 months Interest Free Credit - 0%
  • 48 months Interest Free Credit - 0%

We require a minimum deposit of 20% on our Interest Free products.

Applying for Finance

In store:

1

Store IconVisit our store and ask about the finance options available to you.

2

In Store Application Form IconWe’ll help you complete the lender’s online application form.

3

Shoppers IconOnce approved*, you’ll be able to leave the shop with the goods the same day.

Mail Order:

1

Phone IconCall us on 0114 270 6366 to make an order. If your order qualifies for finance we’ll talk you through your options.

2

Application Form IconWe will email you the lender’s application form to complete from the comfort of your own home.

3

Delivery Van IconOnce approved*, we’ll deliver the goods to your home address.

*Credit is subject to age and status. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.

Retail Finance

We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by V12 Retail Finance you will be asked to eSign the credit agreement and once in receipt of your purchase, V12 will make your agreement live and your monthly repayments will commence for the agreed term.

In short retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget.

Product Information

Interest Free Credit

  • This is an interest free loan with no arrangement fees
  • You repay the loan amount through equal monthly payments spread over the chosen repayment period
  • Minimum loan of £500 applies

Buy Now Pay Later

  • This is a loan where you make no initial monthly payments for the set number of months
  • After the payment free period has ended you can settle the loan off by paying it back in full along with a settlement fee (if applicable)
  • If you choose not to settle in full, the loan rolls into an interest bearing loan with interest charged at the given APR. You then repay the loan and interest spread equally over the chosen repayment period

Eligibility Criteria

You must:

  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by direct debit
  • Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment

*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

Information Required

During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.

Delivery

For finance orders via mail order we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address, you may collect in store with the appropriate photographic identification.

Cancellation Procedure

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the finance agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement. Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company.

Declined Credit Applications

You will be informed of the decision if the lender declines your application, the lender in unable to share the reason for decline with us. Applications are usually declined for reasons such as:

  • You do not meet the eligibility criteria (see above);
  • Adverse credit reference agency information;
  • Your credit score;
  • You are considered to be overcommitted; or
  • Your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

The Lender

Green and Benz acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

Green and Benz is registered in England and Wales 12345678. Registered office: 1–3 South Street, Chesterfield S40 1QX. Green and Benz is authorised and regulated by the Financial Conduct Authority. Our registration number is 668287

Deposit Scheme

Green + Benz also offer a deposit scheme, ideal if you are purchasing wedding rings and want to manage your outgoings as you plan the rest of your wedding. Just choose your perfect rings, then agree a deposit value and time scale to complete the balance.

This secures the rings for you and protects you against any future price rises. We keep them safe and insured until you are ready to collect, and you are welcome to try them on whenever you would like.

Visit one of our stores to explore the options and choose what works best for you. Our sales consultants will explain any terms and conditions in store.