Spread the cost with interest free credit.

We know that buying new furniture is an investment. That's why we've teamed up with V12 Retail Finance to help you spread the cost of your purchase at no additional cost to you. To apply, simply select the Interest Free Credit option on the payment screen when you check out.

V12 Retail Finance allows you to spread the cost over 12 months on any order over £1,000.

The example below is based on a typical purchase using Heal's Interest Free Credit.





Order value:







Total amount of credit:



Agreement length:

12 mths


Representative APR

0% APR


12 x Monthly Payments:

£124.91 (NB. Final payment may differ by a few pence)


Total amount repayable:




*V12 Interest Free Credit is subject to status and mininum spend (£1000). Application required. Heal's (1810) Ltd act as a credit broker and not the lender.

Payment and Term

At the final stage of checkout on the website you can select Interest Free Credit as your payment method. Before you place your order, you will be shown what your monthly repayments (based on 0% over 12 months) will be based on your order value.

On placing your order you will then be redirected to the V12 Retail Finance website where you will be able to submit your application.

Please note: Heal’s do not require the payment of a deposit but you can choose, on the V12 website, to pay one up to 50% of the order value if you would prefer to make lower monthly repayments.

How long does it take to apply?

The application on the V12 site should take no more than five minutes. In most cases they will provide an instant answer as to whether your application for finance has been successful.

In some cases, V12 may require more information before making their decision. Any contact relating to the loan will be direct between you and V12.

Assuming your application is successful, Heal’s will receive notification and will complete your order process straight away.

If your application is unsuccessful Heal’s will simply cancel the order. Should you still wish to proceed with your order you can, of course, do so using normal payment methods.

Finance Terms and Conditions

Heal's Interest Free Credit is subject to status. To be eligible to apply for finance you must be 18 or older, be either in regular employment or a homeowner and to have been a UK resident for more than 3 years. Other terms and conditions may apply and we cannot guarantee that your application will be accepted. Your order will not be processed until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Heal’s (1810) Ltd is authorised and regulated by the Financial Conduct Authority (FRN 915765). Registered in England and Wales. Registration No 12111617. Registered office: 196 Tottenham Court Road, London, W1T 7LQ.

Heal's (1810) LIMITED acts as a broker and not the lender and only offers finance from Secure Trust Bank PLC T/A V12 Retail Finance. Heal's (1810) LIMITED is authorised and regulated by the Financial Conduct Authority, Registration Number 915765. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. Subject to age, status and affordability, minimum spend applies.

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply). Your loan payments will start only from the point when your order has been fully shipped to you.


Should you have any questions that are not covered on this page please contact one of our dedicated Customer Services team on 0333 212 1915.

Who can apply?

Finance is available on orders of £1,000 or more placed on the Heal’s website. The total amount of your order will include any additional services and delivery options selected.

To successfully apply for 0% Interest Free credit, you'll need to be:

  • 18 years or older.
  • A permanent UK resident for 3 years or more.
  • Able to make regular repayments via Direct Debit
  • Be either a homeowner or in regular employment, or in a permanent residence with a spouse/partner who is in regular employment*
  • Have a debit card or credit card in your name and registered to your address as well as a bank or building society current account
  • Other conditions may apply and we cannot guarantee that your application will be accepted

* If you are retired and receive a pension, or are registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

What if my finance application is unsuccessful?

Applications may not be accepted for a number of reasons, including incorrect information or failing to meet the specified requirements.

If your application is declined, it’s usually for one of the following reasons:

  • You do not meet the eligibility criteria
  • Adverse credit reference agency information
  • You have a low credit score
  • Your existing account performance with other lenders
  • You are considered to be overcommitted financially

If your application is unsuccessful your order will automatically be cancelled. You can still purchase the item in full using other payment methods. If you do wish to proceed just reorder on the website or call us on 03332121915 or email