On most UK orders over £50
From an additional £2.99
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Garden Centre

Pay On Finance
Greenfingers Trading Limited have teamed up with V12 Retail Finance Limited ("V12") to offer our customers simple and easy credit options which allows you to spread the costs over time if you place a higher value order.
Frequently asked Questions: -
What is finance available on?
We have made it simple, finance is available if your order value (including shipping) is £250 or over.
What finance options are available?
Subject to acceptance by V12, there will always be 2 options available:

Spend £250 - £499

  • 24 months at a competitive 15.9% APR

Spend over £500

  • 24 months at 15.9% APR, or
  • On a vast range of products 10 months interest free finance is available
How do you get finance?
When you get to the checkout if you have spent at least £250 then you will see an option 'Pay on Finance', click on this and you will be taken to the V12 website to complete your application. Please note this is an online only credit agreement and our customer care team are unable to offer assistance to complete the process.
How long will it take?
You should get an answer quickly, on some occasions V12 may need to look further into your application in more detail before they make a decision.
Who is eligible to 'Pay on finance'?
To begin with you will need to:
  • Be 18 years or older
  • Have an email account
  • Be a UK resident for 3 years or more and plan to continue residence in the UK.
  • Have a bank or building society account in your name and be able to make regular repayments by Direct Debit from this account.
  • Have a debit card or credit card in your name and registered to your address.
  • In regular paid employment (minimum of 16 hours per week) including self-employment, or retired and receiving a pension, or registered disabled. V12 Retail Finance may ask for proof of sufficient income.
Please note meeting these requirements will not guarantee acceptance, V12 Retail Finance have a number of conditions which applicants must meet before they will offer finance.
What happens if my application is unsuccessful?
Your application may be declined by V12 Retail Finance for any number of reasons but you can still purchase the goods in your basket using PayPal, Amazon Payment or with a valid credit or debit card.
Which company is the finance agreement with?
Simply if your application is successfully you will enter into a credit agreement with Secure Trust Bank plc, registered in England and Wales 541132, their registered office is:
One Arleston Way
B90 4LH
Secure Trust Bank plc is authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and they use their subsidiary V12 Retail Finance Limited which is also authorised and regulated by the Financial Conduct Authority to administer their Credit Agreements.
Greenfingers Trading Limited is authorised and regulated by the Financial Conduct Authority in relation to credit broking.