Overclockers UK Online Finance

Here at Overclockers UK we've put together a range of special finance deals that provide customers who prefer not to pay by credit or debit card at the time of order, with an easy and attractive alternative. Overclockers UK Online Finance is the convenient way to get your hands on the technology you want today without breaking the bank! In short, our online finance options give you the ability to spread the cost of the products you want NOW, over a time frame that suits your budget.

Which finance product is right for you?

Overclockers UK currently offer multiple finance options (detailed below), there are conditions for some of our finance options such as minimum loan amounts, and maximum loan amounts, on occasion some loans might be restricted to products.

Overclockers UK is a licensed credit broker "Licence Number 703446" Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Overclockers UK acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance ("v12"). Registered in England 541132. Registered office: One Arleston Way, Soilihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 204550. The address of Overclockers UK is Overclockers UK (OCUK Ltd), Unit 5 Lymedale Cross, Lower Milehouse Lane, Newcastle-under-Lyme, Staffordshire, ST5 9BT

Representive Examples

Classic Credit (24 months)

This is a Classic Credit (24 months) loan agreement.Your total order value must be between £250.00 and £15,000.00

You will pay according to the table

Representative APR 14.9%

Interest rate 7.59% fixed

Order Value (Inc. delivery & VAT) £1000.00
Balance Payable £1000.00
24 monthly repayments of £47.99
Total Amount Payable £1,151.76
 

 

Classic Credit (36 months)

This is a Classic Credit (36 months) loan agreement.Your total order value must be between £250.00 and £15,000.00

You will pay according to the table

Representative APR 14.9%

Interest rate 7.65% fixed

Order Value (Inc. delivery & VAT) £1000.00
Balance Payable £1000.00
36 monthly repayments of £34.16
Total Amount Payable £1,229.76
 

 

Classic Credit (48 months)

This is a Classic Credit (48 months) loan agreement.Your total order value must be between £250.00 and £15,000.00

You will pay according to the table

Representative APR 14.9%

Interest rate 7.77% fixed

Order Value (Inc. delivery & VAT) £1000.00
Balance Payable £1000.00
48 monthly repayments of £27.31
Total Amount Payable £1,310.88
 

 

Buy Now, Pay Later (6/42)

This is a Buy Now, Pay Later (6/42) loan agreement.Your total order value must be between £250.00 and £2,500.00

If after the deferal period you have paid back the loan there will be no interest on the loan, but a final settlement fee of £29.00 will be due.

Your repayments will be deferred for 6 months, after this period if you have not paid back the loan in full you will pay according to the table

Representative APR 19.9%

Interest rate 11.7% fixed

Order Value (Inc. delivery & VAT) £1000.00
Balance Payable £1000.00
42 monthly repayments of £34.95
Total Amount Payable £1,467.90
 

 

Buy Now, Pay Later (12/36)

This is a Buy Now, Pay Later (12/36) loan agreement.Your total order value must be between £250.00 and £2,500.00

If after the deferal period you have paid back the loan there will be no interest on the loan, but a final settlement fee of £29.00 will be due.

Your repayments will be deferred for 12 months, after this period if you have not paid back the loan in full you will pay according to the table

Representative APR 19.9%

Interest rate 13.57% fixed

Order Value (Inc. delivery & VAT) £1000.00
Balance Payable £1000.00
36 monthly repayments of £42.86
Total Amount Payable £1,542.96
 

 

Finance Terms and Conditions

Finance is available on specified orders with a minimum loan amount of £250 and is subject to your status, please note that acceptance for finance is not guaranteed; see Eligibility for Finance.
We reserve the right to withdraw finance on certain products at any time.
Finance is provided through our external partner, V12 Retail Finance Limited ("V12"). If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12's parent company.
If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority.
Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

Eligibility for Finance

You'll need to be:
  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have 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 registered disabled and unable to work, V12 Retail Finance may ask for proof of income.
If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.

If your application is declined

If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it may be for one of the following reasons:
  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.
If you wish to appeal the decision made by V12 Retail Finance, it's advised you obtain an up to date copy of your credit report before appealing directly to V12 Retail Finance. Due to data protection, all customer appeals must be via email to underwriting@v12finance.com or for more advice, call V12 Retail Finance on 02920 468916
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).

FAQs

Who is eligible to apply for finance?

Finance is available on specified orders with a minimum loan amount of £250 to a maximum of £15,000 maximum, placed on our website. This amount includes any additional services and delivery options selected.
You'll need to be:
  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have 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 registered disabled and unable to work, V12 Retail Finance may ask for proof of income.

How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases V12 Retail Finance will need to look at the application in more detail before making their decision.

How do I apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It's important you use your full name and address details and make sure everything is spelt correctly. Please note, this is an online only finance option. If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card; the details are only used to check that they are valid and registered to your address.

What happens if my application is declined?

If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. 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;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.
If you wish to appeal the decision made by V12 Retail Finance, it's advised you obtain an up to date copy of your credit report before appealing directly to V12 Retail Finance. Due to data protection, all customer appeals must be email to underwriting@v12finance.com or for more advice, call V12 Retail Finance on 02920 468916

Who are V12?

V12 is the leading UK provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.
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