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INTEREST FREE CREDIT
AVAILABLE IN STORE

Receive interest free credit for 6 or 12 months when you spend over £600 in store.

*Table for illustrative purposes only

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If you’re shopping online, you can use paypal’s credit option at checkout when opting to pay via paypal.

Interest Free Credit FAQ's

Preparing for your new arrival is an exciting time. But with pushchairs, nursery furniture and all those nappies, it soon adds up, making an exciting time expensive. That’s why we’re working with V12 finance to give you more control over how and when you pay.

Our new credit service lets you pay for your items monthly, over 6 or 12 months. And what’s more, it’s interest free – letting you purchase the items you need, without having to worry about the costs upfront. Leaving you more time to enjoy the excitement.



What products can I purchase using interest free credit?
 

You can purchase anything in our product range including all brands that we sell within our store and online

What payment options are available?
 

V12 Finance allows us to offer 6 or 12 months interest-free credit to all customers who spend over £600, subject to your credit status and a minimum deposit payment of 10% of the total goods value.

Representative example: Fixed Sum Loan Agreement

  • Purchase Price: £600
  • 10% Deposit: £60
  • Total amount of credit: £540
  • Duration of agreement: 12 months
  • Representative APR: 0% APR
  • Fixed rate of interest: 0% p.a.
  • 12 monthly payments of: £45
  • Total amount payable: £600
Who can apply for interest free credit?
 

To apply, you need to:

  • Be over 18 years of age
  • In (or have a partner in) permanent paid employment (over 16 hours per week)/ Retired (receiving a pension) / in receipt of a disability benefit or self-employed
  • Have been a resident in the UK for at least 3 years
  • Have a UK Bank or Building Society current account available
What will I need to apply in store?
 

You will need to know the details of your last 3 years’ address history, employment and income information. You need to know your bank account number, sort code and length of time with that bank. You need to have your bank card with you, to enable a 50p authorisation transaction to be processed. You will also need to pay a deposit, which can be done by chip and pin card, cash, gift card or Love2Shop voucher. You will need to provide an email address as your documentation will be emailed to you.

How long will it take to apply?
 

For almost all customers it takes less than 10 minutes to complete the application. We are currently only able to offer the Interest Free Credit in-store only.

What happens if my application is turned down?
 

Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified 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 using one of our other payment methods, full details of which can be found below. If your application is declined, it’s usually for one of the following reasons:

  • you do not meet the eligibility criteria
  • adverse
  • Total amount of credit: £540
  • Duration of agreement: 12 months
  • Representative APR: 0% APR
  • Fixed rate of interest: 0% p.a.
  • 12 monthly payments of: £45
  • Total amount payable: £600
Does purchasing using interest free credit affect Mamas & Papas standard refunds and returns policy?
 

No, our standard refunds and returns policy is unaffected and will still apply to your purchase. See in store or online for further details.

What happens if I return goods in line with the standard refunds and returns policy?
 

If you want to return yours goods for a full refund, the deposit will be refunded to you in store, any other payments made towards the finance agreement will be returned by V12 Finance within 5 working days of cancellation, along with a confirmation email that the agreement has been cancelled.

If you want to return part of the order, you will receive an email confirmation of the reduced instalments from V12 Finance within 5 working days. If the loan value reduces below £100 because of the partial refund, V12 Finance will contact you to arrange for the loan balance to be paid off as V12 Finance’s minimum loan value is £100.

Can I settle my account early?
 

Yes, you can contact V12 Finance directly at any time to make full or partial payments towards your account at no additional charge Please call V12 Finance on 02920 468912 or email [email protected] to make your payment. You can find more information from V12 Finance on their website www.v12retailfinance.com.

Can I cancel my finance agreement and keep the goods?
 

Yes, you can cancel your finance agreement at any time. If you wish to keep your goods, V12 Finance requires you to repay the outstanding balance in full using an alternative method. You can cancel your finance agreement by contacting V12 Finance on 02920 468912 or email [email protected].

Are there any additional charges?
 

Interest free credit means that you will not pay anything more than the cost of your items purchased. There are no additional charges providing you make your monthly direct debit payments as agreed. Failure to make payments on time will incur additional charges.

When will I begin my payments?
 

The first direct debit payment will begin once the sum of the items shipped to or collected by you has exceeded the amount of deposit paid , this will be communicated to you in writing with a welcome letter from V12 Finance . Please note your agreement will trigger once the value of the items shipped to you exceeds the amount of deposit paid by you (including items taken away from store), even if you are waiting on additional items to be delivered.

Who do I contact if I have any questions about my finance agreement?
 

You should call V12 finance directly on 02920 468912 or email [email protected]. You can find more information from V12 on their website www.v12retailfinance.com.

V12 Finance opening hours:

  • Monday – Friday, 8am – 8pm
  • Saturday, 9am – 6pm
  • Sunday, 10am – 5pm
  • Bank Holidays, 10am - 5pm

A little bit about our finance providers

We’ve teamed up with V12 Finance to offer you a flexible and affordable option to pay on finance. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank PLC trading as V12 Retail Finance. V12 Retail Finance Limited 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. Mamas & Papas (Retail) Limited of Colne Bridge Road, Huddersfield, HD5 ORH is acting as a credit broker for Secure Trust Bank PLC trading as V12 Retail Finance.

Mamas & Papas (Retail) Limited is registered in England 1529849. Registered office: Colne Bridge Road, Huddersfield, HD5 0RH. Mamas & Papas (Retail) Limited only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit provided subject to age and status.

Minimum of 10% deposit. Credit subject to status. Home Delivery may be required (charge applies)

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