v12 finance heading

Finance your photography purchase the easy way

Whether you're buying a camera, binoculars, scope or studio equipment for the first time, to start up a business or simply as a treat, 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 £249 or more, you can choose the finance package that's right for your budget, be it a Buy Now Pay Later option, where you pay nothing and repay after 6 months or a Classic Finance product, where you choose the period of time you want to pay over (12, 24, 36 or 48 months) and make regular monthly payments.  The process is easy and only takes a few minutes with our online application form, you even get an instant decision!

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


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

Total amount repayable . Fixed APR representative. Annual Rate of Interest Fixed.

Finance is subject to status. Terms and conditions apply.


Representative Examples

Our Pay on Finance options are designed to be as straightforward and clear as possible, ensuring that all customers fully understand the services available.  Use the above calculator to simulate our standard Buy Now Pay Later and Classic Finance services, which will tell you how much you'll have to pay back each month.  On selected products and during promotional periods we also offer Interest-Free options, where advertised you can get all the details you need from the finance calculator on the product pages. The example above for Buy Now Pay Later assumes you pay the amount outstanding, in full, or, that you enter into an agreement for a set period of time. You can opt to pay part of the outstanding balance by the end of the interest-free period, in this case, you will only be charged interest on the balance outstanding at the end of the promotional period. V12 Finance will write to you to confirm this in good time.


Buy Now, Pay Later (6 or 9 months)

The Buy Now Pay Later scheme is a loan where you can choose to make no initial monthly payments for 6 or 9 months. You can choose to settle the loan by paying it back in full at any time during or at the end of the 6 months along with a settlement fee of £29 and with no interest charges. OR, if you choose not to settle in full, the loan rolls into an interest-bearing loan with interest charged (calculated from the day the loan starts) at the given APR. You then repay the loan and interest spread equally over the repayment period. The choice is yours.

The minimum loan amount for this scheme is £250. The maximum loan amount for this scheme is £2,500.


Finance Terms and Conditions

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. 

Pay Monthly for interest-bearing credit products is available over 12, 24, 36 or 48 months, subject to status. During promotional periods, we may offer an interest-free credit product over 12 or 24-month terms, at our discretion.  To be eligible to apply for finance, you must be aged 18 or over, in regular employment and have been a UK resident for years or more. Other conditions may apply and we can't guarantee that your application will be accepted. Stock cannot be allocated until the application has been completed and approved. We reserve the right to withdraw finance on certain products at any time. Pay on Finance is provided through our external partner, V12. If your application is successful you’ll enter into a credit agreement with Secure Trust Bank Plc; V12’s parent company. 

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). 

Buy Now Pay Later and Interest-Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.


Who is eligible for finance?

Finance is available on orders of £249 or more, placed on our website or in our store. This amount includes any premium delivery options selected at our checkout, however, does not take into account any promotions, such as cashback.

You'll need to be: 

  • 18 years or over.
  • A UK resident for 3 years or more and a permanent UK resident
  • Be 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, V12 Retail Finance may ask for proof of sufficient income.


How long will it take to apply?
You should get an instant answer on whether your application for finance has been successful or not. In some cases, V12 – our third party financial services provider - will need to look at the application in more detail before making a decision on acceptance.

What do I need to apply?
You simply need to add all the items into a basket and select Pay With Finance at the checkout, you'll then need to complete the online application form and finally add an electronic signature.

It’s important you use your full name and address details and make sure nothing is mistyped.  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 monies will be taken from your card,  the details are purely used to check your identity.

What happens if my application is turned down?
Applications may not be accepted for various reasons, including mistyped details, or not meeting the lenders' requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still purchase the item in full with PayPal or with a 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, it’s advised you obtain an up to date copy of your credit report before appealing directly to V12.
Due to data protection, all customer appeals must be emailed to underwriting@v12finance.com or for more advice, call V12 on 02920 468916.


Who are V12 Retail Finance?

Finance. Pure and simple.

Clifton Cameras have partnered with V12 Retail Finance Limited ("V12") to offer you a flexible and affordable option to pay on finance. V12 is the UK's only specialist 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. 

Clifton Cameras Ltd Registered in England and Wales.  Company No. 5859660
Clifton Cameras Limited acts as a credit broker offering credit products from V12 Retail Finance Limited.  Clifton Cameras Ltd is authorised by the FCA with credit licence number FRN728300
Credit is subject to age and status. 

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