Pay Monthly No Deposit!!

Key Benefits of Finance

To help you spread the cost of getting the tools you need now to get the job done, we have teamed up with V12 Finance to offer you a convenient and great value payment option.

Pay Monthly is available for private individuals only. The following information will help you decide whether this is suitable for your needs.

How to apply - Step-by-step guide

  1. Having selected the item/s you wish to purchase (minimum basket value of £300 applies for Finance), proceed to checkout and ensure 'Home Delivery' is selected.
  2. To apply for finance, simply Sign in if you already have an account with us. If you are new to then you either create an account or select “Checkout as a guest”
  3. Check your delivery details and when you are happy select 'Proceed to Payment'
  4. When on the “Payment” page select “Apply For Finance”
  5. On the “Fast Easy Finance” page select a payment plan from the drop down menu, we have a number of plans available depending on the amount of credit you require.
  6. Choose a deposit from 0% to 50% and at the base of the page select “Continue”
  7. You will now be diverted to the V12 finance application form. Follow the simple instructions provided by filling out all of the information that is applicable to you.
  8. The finance company will process your application and once accepted, we will receive notification. We will ONLY despatch your order once we have received notification that your application has been successful.

Frequently Asked Questions

How and where can I sign up to a Machine Mart Finance payment plan?
Machine Mart Finance is currently available in all 64 superstores nationwide, online and via phone.

What can I include on a payment plan?
You can choose anything from our range of thousands of products! This is subject to availability and excludes gift cards, E-vouchers and has a minimum spend £300 in-store, online & via Telesales. 

What payment plan is available?
We offer 18, 24 or 36 months payment plans. The minimum spend for a 18 month plan is £300, for 24 months it is £400 and for 36 months a minimum spend of £500 is required. All plans are at 18.9% representative APR with No deposit needed. Customers are welcome to pay a deposit of up to 50%, however the subsequent "total loan value" needs to meet the minimum spends for each plan duration highlighted above.

What criteria do I need to fulfil?
We can only consider your application if:
- You are 18 or older
- You, or your partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
- You have been a resident in the UK for at least 3 years
- You have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)
- You have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable)

Please note that meeting the criteria does not guarantee acceptance.

The lender performs a credit search to assess your eligibility. You need to pass a credit score when you apply.

You will need a UK bank account and have the account number and sort code with you. For in store purchases, if you choose to pay a deposit this needs to be with a chip and pin card.

You must have an e-mail address as your documentation will be emailed to you. We may request proof of identity after your application has been approved.

Please note; goods can only be delivered to the address used in the finance application.

How long will it take to apply?
The paperless application just takes 5 minutes to complete, subject to a credit check.

When will my payments be due?
Your first repayment will be due one month after we have dispatched all of your goods to you. Further payments will be monthly thereafter by direct debit.

Does purchasing with a payment plan affect Machine Mart’s standard refunds and returns policy?
No, our standard refunds and returns policy is unaffected. See online for further details.

How do I return unwanted goods?
Subject to our standard terms and conditions, you will need to return your goods in their original packaging in saleable condition back to us, standard returns procedure applies. 

Refunding part of your order:
In the event of a part refund required, we will contact the lender who will make the necessary adjustments to your credit agreement. Should you require a part refund please contact us at the Machine Mart store where the order was made, or alternatively call 0844 880 1275, if you purchased online or via Telesales.

Refunding your full order:
Subject to our standard terms and conditions, we will arrange for the cancellation of your credit agreement. Once cancelled any repayments that you have made in respect of your finance agreement will be refunded back to you by the finance provider. Your deposit payment will be refunded to you, under the original form of payment, by the store where you made the purchase, or by our customer service team if you purchased online.

What if I want to keep the goods but don’t want the credit agreement anymore?
All customers have a 14 day right of withdrawal from a credit agreement. You will need to get in touch with the finance provider notifying them of your intention to withdraw. The 14 day cooling-off period runs from the day you receive a copy of the agreement.

What if I have further questions about Machine Mart’s payment plan?
Please feel free to come in-store and speak to one of our advisers. Alternatively, call us on 0115 840 6248 between 8:30am and 6:00pm Monday to Friday.

Finance is only available to permanent UK residents aged 18 or older, subject to status, terms and conditions apply. Machine Mart Limited (FRN: 703528) is authorised and regulated by the Financial Conduct Authority. Machine Mart Limited acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 204550. The financial promotion is presented by Machine Mart Limited. Machine Mart Limited is registered in England and Wales 01555925, registered office 211 Lower Parliament Street, Nottingham, NG1 1GN

Machine Mart Finance is subject to standard business Terms and Conditions which are available to view at