Finance Options

Interest Free and Low Cost Credit

Housing Units are able to offer the option of spreading the cost of purchases through the use of either interest free credit (0% APR representative) or interest bearing credit (9.9% APR representative).

Credit is provided subject to age and status.


Interest Free Credit options available are:
• 10 months interest free credit on purchases over £1,000
• 20 months interest free credit on purchases over £2,500


10 month interest free credit

20 month interest free credit

Interest Bearing Credit option available:
• 36 months low cost credit on purchases over £1,000

36 month interest bearing credit

A link to representative finance options will be shown within the product description area for any products we sell online which meet the criteria for finance.

If you wish to apply for finance online, you will need to add your selected products to your basket and proceed to checkout. At the payment stage of the checkout you will be able to select pay by finance as your preferred payment method. You will then be directed to the website of our finance partner V12 who will manage your credit application and take your deposit. Finance agreement payments will only commence once your goods have been delivered to your home address.

Alternatively you may prefer to visit our store in Manchester to place your order and apply for finance with the assistance of a member of our highly experienced team.

All finance payment options are provided subject to age and status and require an initial 25% deposit paid by credit card online (either cash or credit card can be used for deposits instore), full details are available in store.


Housing Units Limited is registered in England and Wales 00445593. Registered office : Distribution and Administration Centre, Tweedale Way, Chadderton, Oldham, OL9 7HU. Housing Units Limited acts as a credit broker and only offers credit from Secure Trust Bank PLC trading as V12 Retail Finance, 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Housing Units Limited is authorised and regulated by the Financial Conduct Authority. Our registration number is 718841.