Flexible finance options with V12 Finance

Misco offers an easy & convenient alternative to credit or debit card payments with our latest range of affordable online finance options. Spread the cost with our ‘Take 10’ option or simply choose a great low rate classic credit agreement. Our flexible finance options are the easy and affordable way to purchase the latest technology you want - today!

It only takes a few minutes to complete your online finance application & you’ll get a decision within 60 seconds!

In order to apply for Misco online finance options, please ensure you meet the following criteria:

You are at least 18 years of age and under 75 years of age
You are either: in full time employment (e.g. 16 hours or more, per week) or retired with an income
You must also be a resident in the United Kingdom for the last 3 years or more
You are able to make repayments by Direct Debit

Choose your product(s) and place your order by selecting ‘Buy Now’ and adding the product(s) to the Shopping Basket Please note: Total order value must exceed £280 inc. VAT to be eligible for finance options.
Select your preferred delivery method and progress to the Checkout Page.
Complete the Checkout Page and select Online Finance as your chosen payment method. You also need to select your preferred finance option before submitting your order.
Print a copy of your confirmation page and continue to the V12 Finance website to complete your credit application and register your card details for the deposit. You will need to provide further personal details as part of the application. It’s helpful to have the address of your employer and your bank account details to hand. A decision is usually made within a few seconds.
Once you‘ve been approved for credit, you‘ll need to sign the finance agreement. This can be printed out or you can request for a copy to be posted to you.
You’ll then need to sign and return the agreement to V12 Finance by post. Once V12 Finance receives your signed agreement, Misco will be informed and despatch the item(s) (subject to stock availability).

Further help & advice

If you require any assistance with your online application please call our friendly customer operations team on: 0800 294 4515 or email onlinefinance@misco.co.uk

For further information on Misco online finance please visit our Finance FAQ section.

Please note: Misco finance products are available to consumers only. We do not hold stock while credit is being arranged and therefore product availability may change during your application. Delivery option chosen is valid from when Misco receive confirmation that you application has been accepted and approved by V12 Finance. Credit is subject to status and written quotations are available on request. Terms & Conditions apply. For business finance options please call 0800 197 2068 or email Syscap@misco.co.uk .

Take 10 (10% deposit & 10 monthly payments)
Pay a 10% deposit and then make 10 monthly payments – helping you pay it off quickly. The monthly payment will be 10% of the purchase price.
> Typical 26.3% APR
> View example payment plan & option overview

Classic Credit (24 months)
Simple and affordable, low cost finance - spread the cost of your purchase over 24 months.
> Typical 15.9% APR
> View example payment plan & option overview

The table below offers a quick overview of each finance package available.

Finance Option	Loan Term (Months)	Deferment Period (Months)	APR	Deposit	Service Fee	Settlement Fee	Min. Order Value (inc VAT)
Take 10 (10 monthly payments)	10	n/a	26.3% (variable)	10%	n/a	n/a	£280.00
Classic Credit (24 months)	24	n/a	15.9%	10%	n/a	n/a	£280.00

Please note:
When calculating the 10% deposit, the amount you pay may be slightly higher than 10% as the figure is adjusted to a rounded loan figure.

Misco finance products are available to consumers only. We do not hold stock while credit is being arranged and therefore product availability may change during your application.

For assistance on online applications please email onlinefinance@misco.co.uk

Take 10 (10 monthly payments)

If you’re looking for an easy to manage and affordable option then ‘Take 10’ is the perfect choice. Simply make a 10% deposit at the point of purchase and then make 10 equal monthly repayments thereafter. It’s great for those wishing to take finance over a short period, making it affordable and hassle-free. Plus, there’s no service or settlement fee with the ‘Take 10’ option.

Take 10 Finance Example:
The example below is based on a cash price of £1,000.

Cash Price (inc.VAT)	£1,000
10% Deposit	£100
Amount of Credit	£900
10 Monthly Instalments of	£100.00
APR	26.3% (variable)
Total Amount Payable	£1,100

Please note:
Misco finance products are available to consumers only. We do not hold stock while credit is being arranged and therefore product availability may change during your application.

Cash price example does not include delivery. A delivery charge will be added depending on the delivery option chosen by you, the customer, during the checkout process.

This type of loan attracts interest which is calculated daily and debited monthly in arrears on each monthly instalment date. In calculating the APR, no account has been taken of any variation which may occur in the Interest Rate.

When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.

Total order value must exceed £280 inc. VAT to be eligible.

Credit is subject to status. Written quotations are available upon request.

Classic Credit (24 months)

An affordable choice with a competitive APR of just 15.9%, this low cost, classic finance package is a great option for customers wishing to purchase the latest technology today.

Spread the cost of your purchases with 24 equal monthly repayments with this interest bearing straightforward personal loan - an ideal finance option for those wishing to make regular, low cost payments for their purchases over a longer period of time.

Classic Credit (24 Months) Example:
The example below is based on a cash price of £1,000.

Cash Price (inc.VAT)	£1,000
10% Deposit	£100
Amount of Credit	£900
24 Monthly Instalments of	£43.57
APR	15.9% (variable)
Total Amount Payable	£1,145.68

Please note:
Misco finance products are available to consumers only. We do not hold stock while credit is being arranged and therefore product availability may change during your application.

Cash price example does not include delivery. A delivery charge will be added depending on the delivery option chosen by you, the customer, during the checkout process.

This type of loan attracts interest which is calculated daily and debited monthly in arrears on each monthly instalment date. In calculating the APR, no account has been taken of any variation which may occur in the Interest Rate.

When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.

Total order value must exceed £280 inc. VAT to be eligible.

Credit is subject to status. Written quotations are available upon request.