Finance Available at Winfields Outdoors

Winfields Outdoors offers customers the ability to apply for simple finance facilities to help you purchase all your camping equipment, caravan accessories, tents, awnings, outdoor clothing and walking boots from us. Once you are accepted by V12 Retail Finance you will be asked to eSign the credit agreement and once in receipt of your purchase, V12 will make your agreement live and your monthly repayments will commence for the agreed term. This finance option gives you the flexibility to buy what you really want now and enjoy your next camping trip or adventure by spreading the cost of your total purchase over a repayment period that suits your budget.

OPTIONS AVAILABLE

Subject to availability, the typical finance options we offer are:

  • 10 Months - Interest Free Credit at 0% APR representative
  • 24 Months - Interest Bearing Credit at 9.9% APR representative
  • 36 Months - Interest Bearing Credit at 19.5% APR representative

We require a minimum deposit of 10% on our Interest Free and Interest Bearing products.

FINANCE PRODUCT INFORMATION

Interest Free Credit at Winfields Outdoors

  • This is an interest free loan with no arrangement fees
  • You repay the loan amount through 10 equal monthly payments
  • Minimum loan amount of £270 applies

Interest Bearing Credit

  • This is an interest bearing loan with interest charged at the given APR, there are no additional arrangement fees
  • You repay the loan amount and total interest spread equally over the chosen repayment period
  • Minimum loan amount of £270 applies

ELIGIBILITY CRITERIA

You must:

  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by direct debit
  • Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment.

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

APPLYING FOR FINANCE – it’s so easy at Winfields Outdoors...

*Credit is subject to age and status. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you.

INFORMATION REQUIRED to apply for finance with Winfields Outdoors

During the loan application process you will be asked for the personal information:

  • Name
  • 3 year address history
  • Date of birth
  • Email address
  • Telephone contact details
  • Employment / income information

If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.

PROCESSING TIME – in most cases it only takes 10-20 seconds

With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

DELIVERY OF YOUR ORDER

For finance orders made online or via mail order we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person. For more details about our delivery option please visit here.

RETURNS & CANCELLATION PROCEDURE

If you wish to return the order then please refer to our Returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.

DECLINED CREDIT APPLICATIONS

You will be informed of the decision if the lender declines your application, the lender is unable to share the reason for decline with Winfield’s Outdoors. Applications are usually declined for reasons such as:

  • You do not meet the eligibility criteria (see above);
  • Adverse credit reference agency information;
  • Your credit score;
  • You are considered to be overcommitted; or
  • Your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

THE LENDER

Winfields Outdoors acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

Winfields Outdoors is registered in England and Wales 05127529. Registered office: Albert Mill, Mill Street, Haslingden, Rossendale, BB4 5JW, UK. Winfields Outdoors is authorised and regulated by the Financial Conduct Authority. Our registration number is 627009.

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