Interest Free.
12 Equal Monthly Payments.
10% Deposit.
Simple.

Making your purchase with Fairfax has now been made easier with V12 Credit. Now you can finance a coffee machine or any other item you would like as long as the purchase is £495 and over. Pay an initial 10% deposit and the remaining 90% will be spread over 12 equal installments interest free. The 10% deposit can be paid directly by credit or debit card.

How Does It Work?
Simply fill your basket with any item or group of items equal to £495 or more. When you are ready to check out, sign-in to or create a new account. On the following page you will have the option of selecting the V12 Finance method of payment. Once there, you will be redirected to the V12 Finance page. You will then be guided through a step-by-step process that will require you to verify some financial information.

What happens next?
Once you've completed your V12 Finance application, it can be as short as 30 seconds to find out if your application has been successful.

Once my application is approved, what happens next?
Within minutes of your application being approved, you'll be sent via email, a link to your credit agreement, which can be easily downloaded. Please print it, read the agreement carefully, then sign and return it to V12. Note that products will not be allocated to your order until your completed and signed agreement is returned and received. Shipment of your goods will follow as soon as your agreement has been returned to V12 (usually on the same day).

Can 'As New/Re-conditioned' Coffee Machines Be Financed?
No, unfortunately V12 as a finance company can not authorize the sale of any 'As New/Re-conditioned' coffee machines.
Should you be interested in purchasing items with V12 (equal to or more than £495) as well as an 'As New' machine you would have to make two separate orders. The first could be financed as outlined with V12 and the 'As New' item would have to be processed in a second new order with a credit card.

Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

If you decline my application, what is the reason?
In addition to credit scoring, V12 will take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. V12 is unable to provide you with a main reason for decline of your application; it is usually based on one or a combination of the following: Your credit score (note that every finance company will score you differently) Adverse credit reference agency information You are considered to be overcommitted You are aged under 18 Your existing account performance with other lenders Should your application be declined, you will be shown helpful information on what to do next.

What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?
You can find out more about credit decisions by visiting the following websites: www.experian.co.uk and www.equifax.co.uk. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?
Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Who is eligible to apply for Fairfax online finance?
To apply for Fairfax Finance, you must be between the ages of 18 and 75, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from application under their own names, however we will require the employment details of your spouse in order to process your application.

Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Can I change my order in part or whole after applying for online finance?
Amendments can not be made once your application has been approved and processed.

Are the goods I've ordered set aside for me until the approval process is complete?
Our system is such that goods are allocated to your order only when your completed and signed agreement is received back. This means there's a small chance that the product you ordered may be sold out by the time your agreement is received. To avoid disappointment, we recommend minimizing any delay by completing and returning the agreement as soon as you can.

What if I still need assistance after reading the information in this section?
Simply email our customer services team at info@fairfaxcoffee.com detailing the nature of your enquiry. A customer services advisor or a member of our online finance team will get back to you as soon as possible with an answer to your question.