Finance Options

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

These alternatives allow you to make the most appropriate finance choice based on monthly repayment affordability and your preferred repayment timescales.

Credit is provided subject to age and status. A 25% deposit is required for all orders.

Finance options available:

  • 10 months interest free credit on orders over £1,500
  • 20 months interest free credit on orders over £2,500
  • 24 months lowest monthly payments credit on orders over £1,500
  • 36 months lowest monthly payments credit on orders over £1,500

The calculator below will help you work out the monthly repayments and interest costs for your intended purchase.

Simply use the slider to select the amount you wish to borrow or click and the values on the right hand side next to the pencil icons to work out payment options.

Applying for finance

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 debit or credit card, full details are available in store.

Please note: Finance is only available on orders delivered to your home address.

Housing Units Limited acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.


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 Limited, whose registered address is Yorke House, Arleston Way, Solihull, B90 4LH. Corresponance address V12 Retail Finance Limited, 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

Housing Units Limited is authorised and regulated by the Financial Conduct Authority. Our registration number is 718841.

© Housing Units Limited 1947 - 2024.

Housing Units Limited. Registered office Distribution And Administration, Centre, Tweedale Way, Chadderton Oldham, OL9 7HU. Company registration no. 00445593
Retail store address: Housing Units Retail Park, Wickentree Lane, Failsworth, Manchester, M35 9BA