Heal's Finance

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 of your purchase over 6 months on any order over £500, 12 months on any order over £800 and 24 months on any order over £5,000 with Interest Free Credit 0% APR, or spread the cost further with Classic Credit over 36 or 48 months at 9.9% APR Representative.

The example below is based on a purchase using Heal's V12 Finance.

6 months

Representative Example: Lars Floor Mirror

Cash Price: £629.00
Amount of Deposit: £0.00
Total amount of credit: £629.00
Loan Term: 6 months
Annual Rate of Interest (Fixed): 0%
5 Monthly Repayments of: £104.84
And a final payment of: £104.80
Representative APR: 0%
Total Cost of Credit: £0.00
Total Amount Payable: £629.00


12 months

Representative Example: Matera 3 seater sofa in Daino Leather Treacle 

Cash Price: £3,799.00
Amount of Deposit: £0.00
Total amount of credit: £3,799.00
Loan Term: 12 months
Annual Rate of Interest (Fixed): 0%
11 Monthly Repayments of: £316.59
And a final payment of: £316.51
Representative APR: 0%
Total Cost of Credit: £0.00
Total Amount Payable: £3,799.00



24 months

Representative Example: Astrid Right Hand Corner Chaise Sofa in Stripe Green

Cash Price: £7,706.00
Amount of Deposit: £0.00
Total amount of credit: £7,706.00
Loan Term: 24 months
Annual Rate of Interest (Fixed): 0%
23 Monthly Repayments of: £321.09
And a final payment of: £320.93
Representative APR: 0%
Total Cost of Credit: £0.00
Total Amount Payable: £7,706.00



36 months

Representative Example: Matera 3 seater sofa in Daino Leather Treacle 

Amount of Deposit: £0.00
Total amount of credit: £3,799.00
Loan Term: 36 months
Annual Rate of Interest (Fixed): 5.10%
36 Monthly Repayments of: £121.66
Representative APR: 9.9%
Total Cost of Credit: £580.76
Total Amount Payable: £4,379.76



48 months

Representative Example: Matera 3 seater sofa in Daino Leather Treacle 

Cash Price: £3,799.00
Amount of Deposit: £0.00
Total amount of credit: £3,799.00
Loan Term: 48 months
Annual Rate of Interest (Fixed): 5.14%
48 Monthly Repayments of: £95.41
Representative APR: 9.9%
Total Cost of Credit: £780.68
Total Amount Payable: £4,579.68

 
*V12 Interest Free Credit is subject to status and minimum spend (£1000). Application required. Heal's (1810) LIMITED acts 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% APR 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.

What if I change my mind

30 days right to reject: Under the Consumer Rights Act you have a legal right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described, and get a full refund - as long as you do this quickly. This right is limited to 30 days from the date you receive your product.


FOS: If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.


FCA Disclosure

Heal’s (1810) Ltd is authorised and regulated by the Financial Conduct Authority (FRN 915765). 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. Subject to age, status and affordability, minimum spend applies.


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.


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.

Information, Disclosures and Excluded Products

Q5a FCA Disclosure – we would recommend that all of the highlighted points in SS2 be removed as information is being duplicated which is not necessary, we would then advise using the below Disclosure instead as some of the current provided information is not applicable. 


Heal's (1810) Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 915765. Heal's (1810) Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

FAQs

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% APR Interest Free credit, you'll need to be:
  • Is 18 or older
  • Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in parttime work or in receipt of a disability benefit
  • Has been a resident in the UK for at least 3 years
  • Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
  • Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
  • Has an email address to receive the important information throughout the application process, including their signed credit agreement

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 0333 212 1915 or email cservices@heals.co.uk.

If you are not entirely happy with your recent experience, please raise a complaint by contacting our Customer Service Team on 0333 212 1915 or email cservices@heals.co.uk. We aim to resolve your complaint as quickly as possible and if we are able to resolve your complaint within 10 business days, we will send you a final response detailing our resolution. If we are unable to provide you with a final response at 10 business days, we will send you a letter explaining the reason for delay and when we expect to issue you with a final response.