Spread the cost of your purchases over a time period that suits you with our range of finance options - the options available for your purchase will be shown in the Payment Options page of the basket check out.
HOW TO APPLY FOR CAMPING FINANCE:
1. Select the products you wish to finance by putting them in your basket
2. Complete the finance providor's quick online application and wait for the instant decision
3. Once approved* we will deliver your goods just like a regular order with Camping World
*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.
We may require a minimum deposit on our Interest Free and Interest Bearing products.
V12 - REPRESENTATIVE EXAMPLE
|Package||Goods||Deposit||Loan||APR||Monthly Payment||Total Payable||Cost of Credit|
|Classic Credit 12 Months 15.9%||£500.00||£50.00||£450.00||15.90%||£40.58*||£536.96||£36.96|
|(Min Spend: £250.00)||(10%)|
|Classic Credit 24 Months 15.9%||£500.00||£50.00||£450.00||15.90%||£21.78*||£572.72||£72.72|
|(Min Spend: £250.00)||(10%)|
|Classic Credit 36 Months 15.9%||£500.00||£50.00||£450.00||15.90%||£15.57*||£610.52||£110.52|
|(Min Spend: £300.00)||(10%)|
*Final payment may be slightly higher or lower than quoted
- 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.
WHAT YOU WILL NEED
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.
HOW LONG WILL IT TAKE?
With most applications we expect that you will be given an instant decision.
For finance orders made online or 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 or collect the goods from us in person.
RETURNS & CANCELLATION PROCEDURE
If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not be able to cancel the finance if the return falls outside of our returns period.
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 / LEGAL STUFF
Camping and Leisure World Limited trading as Camping World 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. Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden.
Camping World is registered in England and Wales 4231477. Registered office: The Reeds Road, Frensham, Surrey GU12 4DJ. Camping World is authorised and regulated by the Financial Conduct Authority. Our registration number is 683821.