Buy Now Pay 2021

Take advantage of our 0% APR on purchases over £250 (excluding the purchase of Gift Cards), with absolutely no deposit to pay on your purchases online or in store. Or take a look at our other finance options available in store only to find an option that better suits you!

Buy Now Pay Later (11.9% APR):

  • Fixed-term personal loan where first monthly payment is deferred for a set period or until a specified future date.
  • Loan value of up to £50,000 depending on product financed.
  • Finance subject to application, financial circumstances and borrowing history.
  • 18’s or over.
  • UK Stores only.
  • Terms and Conditions apply.

Finance Options available in store (Barclays Finance)

Interest Free Credit:
  • Fixed-term personal loan without interest.
  • 6-month term on purchases over £250.
  • 12-month term on purchases over £500.
  • Loan value of up to £50,000 depending on product financed.
  • Finance subject to application, financial circumstances and borrowing history..
  • 18’s or over.
  • UK stores only.
  • Terms and conditions apply.

Spend over £250

get 6 months interest free credit

Motocaddy S1 Lithium 18 Hole Trolley 2020
£449.99

All yours for just

£83.34

per month with our 6 month interest free credit payment options.

Spend over £500

get 12 months interest free credit

TaylorMade SIM MAX Driver
£399
TaylorMade SIM MAX Fairway
£229
TaylorMade SIM MAX Hybrid
£189
Total
£817

All yours for just

£60.09

per month with our 12 month interest free credit payment options.

*When it comes to repaying a Buy Now Pay Later loan, customers have a few options:
  • The customer can begin repayments as planned when the first payment is due. We call it the end of the deferral period.
  • The customer can repay the loan in full before the first payment is due, either as a lump sum, or across several payments and they will not be charged interest. The customer may be charged a settlement fee, if this applies.
  • It’s also fine to repay part of the loan before the first payment, meaning the customer will pay less interest on the loan. When we receive the payment, we will reduce the loan balance by the sum of the repayment plus the interest rebate. The monthly payment will remain the same, so this may mean the customer repays the loan in full sooner.
  • Once the customer begins repayments, they’re free to settle the loan at any time but if they make a full or partial payment after the date of the first repayment, they will not be entitled to a refund of any interest up until that date.

Interest Bearing Credit (11.9% APR):
  • Fixed-term personal loan where first monthly payment is deferred for a set period or until a specified future date.
  • Loan value of up to £50,000 depending on product financed.
  • Finance subject to application, financial circumstances and borrowing history.
  • 18’s or over.
  • UK Stores only.
  • Terms and Conditions apply.

American Golf (Trading) Limited acts as a credit broker and not a lender. American Golf (Trading) Limited will not receive commission from Barclays Partner Finance. American Golf (Trading) Limited’s postal address is Westbrook House, Westbrook Centre, Warrington, WA5 8UH should any customer need to write to the advertiser. American Golf (Trading) Limited only offer products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No. 2901725. Registered office: 1 Churchill Place, London E14 5HP. You must be a resident of the UK and over the age of 18 years. Further terms and conditions are listed online. Credit is subject to status and subject to application, financial circumstances and borrowing history.

Interest Free Credit available online (V12)

All finance agreements are a contract between you “the customer” and V12 finance

To apply for finance you must be:
  • At least 18 years old.
  • A permanent UK resident.
  • In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
  • In receipt of a pension if you are retired.
  • Able to confirm sufficient income if you are registered disabled.

Credit is not available to:
  • Any customer not able to satisfy all of the above conditions.
  • Any Director, Partner or Sole Trader looking to use credit to purchase goods to supply their own business.

Delivery of Online Orders:
  • Online orders that qualify and are accepted for Interest Free Credit will be delivered to the address supplied on your application. If you enter an alternative delivery address in the online checkout, this will not be used.
  • Accepted Interest Free Credit orders will be shipped on a Free Next Day Service, regardless of the delivery method selected in the online checkout
  • Finance orders will only be shipped to the address given in your finance application, irrespective of making the purchase in any of our Retail Stores or via any of our Websites.
  • If purchasing online, you will not be offered Finance when you choose any of our “Shop Online Collect in Store” services.
  • The purchase of Giftcards is not permitted using any of our finance options.
  • Credit can only be used to complete a purchase in conjunction with our Trade In offer, if the value of the purchase exceeds £250, after the value of the Trade-In has been deducted from the total basket value.
  • Dependent upon the finance option chosen, the minimum order value is £250, the maximum permissible spend is £15,000.
  • You can return items purchased using finance, if they meet with the conditions of our returns policy. If the item is to be credited, it will take V12 between 3-5 days to cancel finance and your deposit and previous payments will be refunded to your account.

Please note: you will not receive a credit for an item purchased using finance, if the value of the item returned is below the minimum spend of your finance agreement. In these circumstances, a like for like replacement product will be supplied.

Under the consumer credit act, customers have the legal right to cancel their financial credit agreement within fourteen days from the signatory date. This excludes all items which have been specified as requiring customisation of any kind, which must be taken by the customer and paid for in full.

If your application is declined, all customer appeals must be made by email to underwriting@v12finance.com or for more advice, call V12 on 02920 468916.

AMERICAN GOLF (TRADING) LIMITED trading as American Golf is acting as a credit broker and not a lender. To finance your purchase we will introduce you to Secure Trust Bank Plc trading as V12 Retail Finance. AMERICAN GOLF (TRADING) LIMITED is authorised and regulated by the Financial Conduct Authority. Firm Reference Number - 688446. Registered address - 1st Floor, Westbrook House, Westbrook Centre, Warrington, WA5 8UH. Company Number - 11282323.

Secure Trust Bank Plc trading as V12 Retail Finance

Finance is provided by Secure Trust Bank Plc trading as V12 Retail Finance. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number - 204550. Registered address - One Arleston Way, Solihull, B90 4LH. Company Number - 00541132.