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Buy Now, Pay Later with Aria and V12 Finance!










Make your dream PC affordable through Credit with V12 Finance

When you spend £300 or more through Gladiator Computers, you can split the payments into easy-to-manage affordable monthly repayments through our finance options. Approval takes as little as 30 seconds!

Gladiator offers two types of finance package through V12 Finance: Buy Now Pay Later, and Classic Credit.V12

Buy Now Pay Later

With a Buy Now Pay Later plan, you can make a purchase now and pay after 6, 9 or 12 months. If you repay the full amount of the loan within that same deferment period, you will pay no interest, and will only have to pay a modest settlement admin fee.

Advantages of Buy Now Pay Later
  • No need to pay anything during the deferment period
  • The option to pay the loan in full during the deferment period and pay no interest. A small admin fee will be charged.

Classic Credit

Classic Credit is a more traditional finance offering, in which repayments will start immediately (with the first repayment being due 1 month after the agreement start date) and without the option of immediate repayment.

Advantages of Buy Now Pay Later
  • A lower overall cost for your loan when compared to the Buy Now Pay Later package (in cases where the loan is not repaid during the BNPL deferment period).
  • Longer-term loan options are available on Classic Credit, allowing repayment to be spread over a longer period.

A representative example of finance and answers to commonly asked questions are provided below.


Overview of available finance options

Buy Now Pay Later (deferred payment)

  • Just 10% deposit
  • No interest charges if you settle on time, just a small admin fee (£35, £40 or £55)
  • No monthly payments; repay the full amount of the loan in either 6, 9 or 12 months
  • No early settlement penalties
  • The option to convert to Classic Finance at the end of the loan period (29.8% APR) over 36-42 months depending on the package

Classic Finance

  • Just 10% deposit
  • Fixed monthly repayments over 24, 36 or 60 months (15.9% APR) to suit your budget
  • Make additional payments when convenient and shorten the repayment time without additional charges

NB: A service charge may be applied for some products.

Buy Now Pay Later (6 Months / 42) - Representative example of finance

With our Buy Now Pay Later (6/42) loan agreement you can order today and pay nothing for 6 months.

If you pay in full by the end of 6 months there will be no interest on the loan, but a final settlement fee of £29.00 will be due.

Alternatively you can spread the cost and pay monthly according to the table. Interest is accrued from the start of the loan agreement.

Your total order value must be between £300.00 and £2,500.00

Here is a representative example based on a purchase price of £999.99 and a representative APR of 19.9%:
Cash Price£999.99
Deposit£100.00
Loan£899.99
Instalment Amount£37.07
Number of Instalments (Months)36
APR19.89%
Total Charge for Credit£469.53
(Comprising of..)
Arrangement Fee£35.00
Interest£434.53
Velo Systems Limited is a licensed credit broker, "Licence Number 826733" Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Velo Systems Ltd 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. Velo Systems Ltd registered in England 03784471. Registered office: Aria House, 2 Belle Vue Avenue, Pottery Lane, Manchester, M12 4AS

FAQ

1- How quickly will my application be processed?

If your online application is received between 9am and 11pm, in most cases you will know immediately if your application has been accepted or declined. However, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.

2- If my application is accepted, what happens next?

If your application for credit is accepted you must eSign the credit agreement to complete your order. Your order will be despatched to you once V12 Finance has confirmed that your agreement has been eSigned, which only takes a few minutes.

3- What is Credit Scoring?

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.

4- If I have been refused credit can I apply again?

We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.

5- Who is my financial agreement with?

Velo Systems Limited work via V12 Finance Ltd. Your financial agreement will be with V12 Finance Ltd.

6- Who is eligible for finance with Aria?

To apply for finance with Velo Systems Ltd, you must be over 18, and you or your partner must 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 past three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.

7- Why has my application been declined?

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Although we are unable to provide you with a reason if your application is declined, it is usually based on one or more of the following reasons:

  • Adverse credit reference agency information
  • Your credit score (note that every finance company will score you differently)
  • You are aged under 18
  • You are considered to be overcommitted
  • Poor account performance with other lenders

8- What type of information do credit agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements 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.

9- Can I obtain a copy of information credit agencies hold about me?

For a small fee, you can obtain this information the relevant agencies. Useful addresses:

Call Credit Group Limited
One Park Lane,
Leeds,
West Yorkshire,
LS3 1EP

Consumer Help Desk
Experian Limited
PO Box 8000
Nottingham
NG1 5GX

Equifax
Department 1E
PO Box 3001
Glasgow
G81 2DT

You can also visit the companies websites to find out more about credit decisions:

http://www.callcredit.co.uk/, http://www.experian.co.uk and http://www.equifax.co.uk

10- Can I have my order delivered to somewhere other than my home address?

In order to safeguard applications, orders that are being paid for by credit can only be delivered to your home address. Once the finance agreement has been approved, and a delivery address confirmed, it cannot be changed.

* Subject to status. Terms and conditions apply.