Buy now pay later with V12 online finance


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Online product guides

Spread the cost of your IT & electrical purchases with our affordable range of online finance options*

Misco now offer customers an easy & convenient alternative to credit/debit card payments with our range of affordable online finance options. Whether it's a fantastic 'Buy Now Pay Later' option, or a great low rate classic credit agreement, our affordable online finance options are the easy and affordable way to purchase the latest technology you want - today!

Requirements for credit acceptance

In order to apply for online finance options, please ensure the following:

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

Simple steps to purchase a product through online finance:

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 £299 inc vat to be eligible for finance options.
Select a delivery method and progress to the Checkout Page.
Complete the Checkout Page and select Online Finance as your payment method. You then need to select your preferred finance option and submit 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 receive your signed agreement, Misco will be informed and despatch the items (subject to stock availability).

Questions?...

If you require any assistance with your online application please call our friendly sales team on: 0800 197 1802 or email onlinefinance@misco.co.uk

*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 294 4521 or email Syscap@misco.co.uk .

Which online finance product should I choose?

Buy Now, Pay Later
Simply pay a 10% deposit and you can buy now, then pay nothing for a further 9 months. If you decide to pay the outstanding balance in full, before the 9 month deferment period expires, you’ll pay no interest!^††

Classic Finance – 36 months
Simple and affordable, low cost finance - spread the cost of your purchase over 36 months.

Classic Finance – 48 months
Simple and affordable, low cost finance - spread the cost of your purchase over 48 months.

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

Finance Option	Loan Term (Months)	Deferment Period (Months)	APR	Deposit	Service Fee	Min. Order Value (inc VAT)
Buy Now, Pay Later (BNPL)	39	9	29.8% Variable	10%	£25.00^†	£299.00
Classic Finance - 36 months	36	n/a	19.9%	10%	n/a	£299.00
Classic Finance - 48 months	48	n/a	19.9%	10%	n/a	£299.00

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.
^†The BNPL finance agreement is subject to a £25.00 Service Fee which will only be charged upon receipt of your signed credit agreement. This fee will not be charged if your credit application is unsuccessful.
^††The Buy Now, Pay Later (BNPL) Scheme is an interest bearing loan & should you not choose to settle within the 9 month deferment period you will incur interest charges as laid out above.

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

Further help & advice

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

If you still require assistance after visiting the FAQ’s please email your query to our finance team: onlinefinance@misco.co.uk

Buy Now, Pay Later

The Buy Now, Pay Later (BNPL) finance option is the easy and affordable way to get the technology you want today. With the exception of a 10% deposit and low cost service fee†, you can now purchase and enjoy the benefits of any eligible product or combination of products from our extensive range and then make no payments for a further 9 months.

If you decide to pay the outstanding balance in full, before the 9 month deferment period expires, you will pay no interest! However, there’s no obligation to settle the loan before the BNPL period expires, you can simply continue to make monthly repayments at the interest rate shown on your loan agreement.^††

If the ‘Amount of Credit’ is paid in full before the end of the 9 months then no interest is payable.^††

Buy Now, Pay Later Finance Example:
The example below is based on a cash price of £1000.

Cash Price (inc.VAT)	£1000
10% Deposit	£100
Amount of Credit	£900
39 Monthly Instalments of	£40.02
APR	29.8% (variable)
Total Amount Payable	£1685.78
Service Fee†	£25.00

^†The BNPL finance agreement is subject to a £25.00 Service Fee which will only be charged upon receipt of your signed credit agreement. This fee will not be charged if your credit application is unsuccessful.
^††The Buy Now Pay Later (BNPL) scheme is an interest bearing loan and should you choose not to settle within the 9 month period you will incur interest charges as laid out in the above example. However, if the ‘Amount of Credit’ is paid in full before the end of the BNPL period you will pay no interest.

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.

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.

Total order value must exceed £299.00 inc. VAT to be eligible

Credit is subject to status. Written quotations available on request.

Classic Finance – 36 months

An affordable choice with a competitive APR of just 19.9%, 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 36 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.

Classic Finance (36 Months) Example:
The example below is based on a cash price of £1000.

Cash Price (inc.VAT)	£1000
10% Deposit	£100
Amount of Credit	£900
36 Monthly Instalments of	£32.67
APR	19.9% (variable)
Total Amount Payable	£1276.12

Please note:
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.
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 £299.00 inc. VAT to be eligible.
Credit is subject to status. Written quotations available on request.

Classic Finance – 48 months

An affordable choice with a competitive APR of just 19.9%, 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 48 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 Finance (48 Months) Example:
The example below is based on a cash price of £1000.

Cash Price (inc.VAT)	£1000
10% Deposit	£100
Amount of Credit	£900
48 Monthly Instalments of	£26.58
APR	19.9% (variable)
Total Amount Payable	£1375.84

Please note: 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.
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 £299.00 inc. VAT to be eligible.
Credit is subject to status. Written quotations available on request.

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