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Camera Financing - Finance your purchase in just a few steps

Whether you're buying a camera, scope, a new lens or studio equipment, we know this can be a considerable investment. That's why we offer you the ability to make your purchase on finance and spread the payments.

If you spend £250 or more, you can choose the finance package that's right for your budget, whether it's a personal loan that's Interest-Free, where you pay 0% APR interest over 6, 12, 24 or 36 months with no hidden costs or surprises, or a personal loan that's interest-bearing, where you can extend the life of your policy up to 48 months. The process only takes a few minutes and decisions are normally made shortly after submitting.


You'll find the below finance calculator on every finance qualifying product page, this will allow you to check what finance products are available and find a package that suits your budget best. Look out for 0% APR Interest-Free Finance across 100's of products.  


It's as easy as:
3 easy steps to pay finance


Representative Examples

We want our finance options to be as easy to understand and straightforward as possible. We've created the examples below to illustrate how much you'll pay back on selected products with our interest-free and interest-bearing credit finance options. You can also understand the costs, terms, monthly repayments and key features of the finance options available to you further as you browse our products and at checkout by using our finance calculator. Your acceptance for finance if you apply, will be dependent on your personal circumstances and V12’s credit policies.


Easily spread the payments with our range of finance solutions.

Choose the finance package that suits you best.

Apply from our checkout
Easy online application
Instant Decision
We process your order

Finance is subject to status. Terms and conditions apply.


Finance Product Representative Example - 12 months Interest Free (0% APR)
Cash Price: £1,500
Deposit amount (10%): £150
Total amount of credit: £1,350
Representative APR: 0%
Annual Rate of Interest (Fixed): 0%
Number of repayments: 12
Monthly repayment: £112.50
Total cost of credit (interest): £0
Total amount payable (including deposit): £1,500


Finance Product Representative Example - 24 months Interest Bearing Credit (14.9% APR)
Cash Price: £1,500
Deposit amount (10%): £150
Total amount of credit: £1,350
Representative APR: 14.9%
Annual Rate of Interest (Fixed): 7.6%
Number of repayments: 24
Monthly repayment: £64.79
Total cost of credit (interest): £204.96
Total amount payable (including deposit): £1,704.96




Frequently Asked Questions

We've teamed up with V12 Retail Finance ("V12") to offer you a range of options to pay on finance. V12 is one of the UK's leading providers of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading technology and paperless systems. 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 Retail Finance Limited and V12 will receive a commission, the amount will vary depending on the product chosen and the amount of credit taken out.

V12 Retail Finance is authorised and regulated by the Financial Conduct Authority under registration number 679653. 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.

When you apply for finance with V12 your credit file will be hard searched. If your application is accepted and you have chosen to pay a deposit with your order, you’ll be asked to pay your deposit through the V12 system and then sign your finance agreement electronically. Once you have done this, we will be notified that you have successfully completed your application and we will process your order for delivery.

Stock will not be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Finance is provided through our external partner, V12 Retail Finance Limited. If your application is successful you will enter into a Credit Agreement with Secure Trust Bank PLC, who is the lender and V12’s parent company.
Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with V12 whose technology lets you apply for and complete a loan application quickly, easily and informatively. Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and choose V12. The quick application form is simple and should take no more than a couple of minutes to complete and you will receive a decision instantly. Easy!
Finance is available on loans over £250 and no more than £25,000 and you can choose a deposit of up to 50% of the value of the goods. This amount includes any additional services and delivery options selected. Discount codes or vouchers cannot be used in conjunction with any finance orders.

You will only be considered for finance if you:
1.     Are at least 18 years old
2.     You're in paid employment or have a regular income (minimum 16 hours per week or £6,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
3.     Are a permanent UK resident and have lived in the UK for at least 3 years
4.     Have a UK bank account capable of accepting Direct Debits
5.     Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies

6.     Provide an email address so your documentation can be emailed to you
We offer a range of interest-free and interest bearing finance options to help you spread the cost of your purchase over 6 to 60 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Buy Now Pay Later Finance Agreements

Spread the cost with buy now pay later finance available online and in-store.

The buy now pay later finance option allows you to spread the cost of your purchase over your chosen term with an agreed non-payment period.

If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee which is displayed at the start of your application and in your credit agreement.

If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term with interest charged at the rate set out in your credit agreement. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live.

Only available to UK residents over 18, subject to terms and conditions, minimum spend applies. To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.
Use our finance calculator above to check the impact of various loan values, terms and interest rates on the total amount you need to pay and the monthly repayments.
Simply add the products to your basket and select 'Pay with Finance' at checkout. You’ll then be taken to the application form, which takes just a few minutes to complete.
In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to your home address.
Your application will be assessed based on eligibility, credit history and affordability and V12 will let you know the outcome in just a few seconds on screen and via email.

It’s important to know that when applying for finance with V12 your credit file will be hard searched. If approved you then just need to digitally sign your credit agreement, pay your deposit (where applicable) and wait for your order to arrive. In some cases, your application may be referred to V12’s underwriting team for further checks and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and our lender V12 will be able to give you more information but recommend that you obtain a copy of your credit file before you consider appealing the decision.
Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as V12 Retail Finance.
There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact V12 or your lender. A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with any aspect of the goods you purchased with us or the service you have received you may contact us in any way you prefer. Our contact details are as follows;

Phone: 01453 548128
Email: sales@cliftoncameras.co.uk
Address: Clifton Cameras, Staverton Technology Park, Herrick Way, Cheltenham, GL51 6TQ

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your finance provider V12 Retail Finance. V12 will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.
If you are not satisfied with V12’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of V12’s final response letter to you.

They can be contacted in the following ways:

• Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

• Telephone: 0300 123 9 123

• E-mail: complaint.info@financial-ombudsman.org.uk

Further details can be found on the Financial Ombudsman Service website: www.financial-ombudsman.org.uk
It’s a fact of life that things can change for any of us. If something changes in your personal, or financial circumstances, V12 will do all they can to help make it as easy as possible to submit your application and manage your loan repayments.

If you’re struggling at any point with your application online, or you don’t understand anything, please contact V12’s Customer Services Team on 029 2046 8900 or by emailing customerservices@v12finance.com. They are open Monday to Friday from 9am to 5pm If you find yourself struggling due to a change in your circumstances, please contact V12 Retail Finance and ask for their help.

Use of Your Personal Data

In order to process your finance application, you will be asked to provide information about your personal, employment and financial situation. V12 Retail Finance shares your personal data with Credit Reference Agencies so that they can make a decision about whether to offer you finance. V12 will perform a hard search on your credit file to conduct their creditworthiness and affordability assessment to enable them to make their decision.

V12 will let you know where you can find more information about their privacy policy when you begin your application.
Please contact us at sales@cliftoncameras.co.uk or on 01453 548128 quoting your name and order number and a member of our team will contact you.
Please see the returns and cancellations section of our terms and conditions (https://www.cliftoncameras.co.uk/Clifton-Cameras-%7C-Terms-and-Conditions). Some products cannot be cancelled, for example, made-to-order or bespoke goods, so you should check this before you complete your purchase.


Legal Information

Clifton Cameras Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 728300. Clifton Cameras 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.


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