Overclockers UK Finance
Available on all orders over £250 (Excluding Delivery)
How it works
What is Overclockers UK Finance
Overclockers UK Online Finance is the convenient way to get your hands on the technology you want today without breaking the bank! In short, our online finance options give you the ability
to spread the cost of the products you want NOW, over a time frame that suits your budget. Think about how much you can afford each month and maybe you can up your budget and get the gear
you really want.
Simply enter how much you’d like to spend, whether you’d like to place a deposit with your order and select your desired finance product, and our finance calculator below will confirm what
your monthly repayments would be.
Find out how much you could spend today
Using our loan calculator below simply enter how much you’d like to spend, whether you’d like to place a deposit with your order and select your desired finance product, and our finance calculator below will confirm what your monthly repayments would be.
OCUK Limited t/as Overclockers UK is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 703446. OCUK Limited t/as Overclockers UK offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. *Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
How it works
Simply shop online and select the “finance” option at checkout.
Step 1
Add your items to basket (Ensuring you spend £250 or more)
Step 2
Select finance at checkout
Step 3
Choose ‘V12 Retail Finance’ at the payment step of the checkout
Step 4
Select the finance product which best suits you
Step 5
Complete your purchase
Step 6
Proceed to the finance application process
Step 7
Complete your application and await a decision
Step 8
We’ll ship your order as soon as your application is approved
Get Started
Simply shop online and select the “finance” option at checkout.
Which finance product is right for you?
Overclockers UK currently offer multiple finance options (detailed below), there are conditions for some of our finance options such as minimum loan amounts, and maximum loan amounts. On occasion the ability to apply for some loans might be restricted to products. Credit is provided subject to affordability, age and status. Minimum spend applies.
Representative Examples
Buy Now, Pay Later (12/48 months)
With our Buy Now Pay Later (12/48) loan agreement you can order today and pay nothing for 12 months.
Buy now pay later with 12 months non-payment period. Spread the cost with buy now pay later finance available online. The buy now pay later finance option allows you to spread the cost of your purchase over a total term of 60 months which includes a 12 month non-payment period. If you choose to exercise the option to settle the amount of credit in full before the end of the non-payment period you will not pay any interest but will pay an early settlement fee of £29.00 If you choose not to settle in full by the end of the non-payment period, the amount of credit remaining will be spread across the remaining term of 48 months with interest charged at a representative APR of 24.90%. You will pay interest on the amount of credit that remains unpaid and interest will be charged from the date we told you the agreement was live. Only available to UK residents over 18, subject to terms and conditions, minimum spend applies.
IMPORTANT: Interest is calculated from the start of the agreement, which means interest will accrue during the non-payment period.
Your loan value must be between £250.00 and £25,000.00
Annual rate of interest 17.37% fixed
| Total cash price | £1000.00 |
| Deposit | £0.00 |
| Amount of credit | £1000.00 |
|
Non-payment period 12 months, followed by 48 monthly repayments of |
£38.93 |
| Total Amount Payable | £1,868.64 including total interest of £868.64 |
| Final Settlement Fee (If paying in full before 12 month period) |
£29 |
Interest Bearing Credit (12 months)
With our Interest Bearing Credit (12 months) loan agreement you can spread the cost over a period of up to 12 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Annual rate of interest 7.74% fixed
| Total cash price | £1000.00 |
| Deposit | £0.00 |
| Amount of credit | £1000.00 |
| Repayable by 12 monthly repayments | £89.78 |
| Total cost of credit (interest) | £77.36 |
| Total amount repayable (including interest & deposit) |
£1,077.36 |
Interest Bearing Credit (18 months)
With our Interest Bearing Credit (18 months) loan agreement you can spread the cost over a period of up to 18 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Annual rate of interest 7.63% fixed
| Total cash price | £1000.00 |
| Deposit | £0.00 |
| Amount of credit | £1000.00 |
| Repayable by 18 monthly repayments | £61.91 |
| Total cost of credit (interest) | £114.38 |
| Total amount repayable (including interest & deposit) |
£1,114.38 |
Interest Bearing Credit (24 months)
With our Interest Bearing Credit (24 months) loan agreement you can spread the cost over a period of up to 24 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Annual rate of interest 7.60% fixed
| Total cash price | £1000.00 |
| Deposit | £0.00 |
| Amount of credit | £1000.00 |
| Repayable by 24 monthly repayments | £48.00 |
| Total cost of credit (interest) | £152.00 |
| Total amount repayable (including interest & deposit) |
£1,152.00 |
Interest Bearing Credit (36 months)
With our Interest Bearing Credit (36 months) loan agreement you can spread the cost over a period of up to 36 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Annual rate of interest 7.67% fixed
| Total cash price | £1000.00 |
| Deposit | £0.00 |
| Amount of credit | £1000.00 |
| Repayable by 36 monthly repayments | £34.17 |
| Total cost of credit (interest) | £230.12 |
| Total amount repayable (including interest & deposit) |
£1,230.12 |
Interest Bearing Credit (48 months)
With our Interest Bearing Credit (48 months) loan agreement you can spread the cost over a period of up to 48 months.
Your loan value must be between £250.00 and £25,000.00
You will pay according to the table.
Annual rate of interest 7.78% fixed
| Total cash price | £1000.00 |
| Deposit | £0.00 |
| Amount of credit | £1000.00 |
| Repayable by 48 monthly repayments | £27.32 |
| Total cost of credit (interest) | £311.36 |
| Total amount repayable (including interest & deposit) |
£1,311.36 |
How do I choose V12 Retail Finance
Just select the finance option on the checkout page.
Who is eligible to apply for online finance?
To apply for online finance, you must:-
- Is 18 or older
- Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
- Has been a resident in the UK or Jersey for at least 3 years
- Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
- Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
- Has an email address to receive the important information throughout the application process, including their signed credit agreement
When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
Applying for online finance
Applying for online finance couldn't be easier or more convenient. When you buy online from OcUK Ltd trading as Overclockers UK you have the choice of applying for finance by adding your
purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and
we'll do the rest.
The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the
finance agreement and you will also receive an email confirming these details.
Please read the agreement carefully checking that all the details are correct before proceeding to sign the agreement electronically.
Following receipt and confirmation of
your signed finance agreement being received by V12 and a few additional checks, your goods will be dispatched.
Your questions answered
Here's some of the most commonly asked questions regarding online finance.
- The basket size is greater than £250 (excluding delivery costs)
- Shipping to a UK address
- A DPD delivery method has been selected
Once you have agreed to the terms of the finance agreement OCUK Limited t/as Overclockers UK will be notified and you need do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is received by V12 Retail Finance. Shipment of your goods will follow soon after your agreement has been received.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly.
Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
In addition to credit scoring, V12 Retail Finance also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though V12 Retail Finance is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:
- Your credit score (please note that every finance company will score you differently)
- Adverse credit reference agency information
- You are considered to be overcommitted
- You are aged under 18
- Your existing account performance with other lenders
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.
You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
- Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
- Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
- TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
Please see the returns and cancellations section of our
terms and conditions. Some products cannot be cancelled, for example,
made-to-order or bespoke goods, so you should check this before you complete your purchase.
Where you do have the right to cancel, you must do this within 14 days of entering into the finance agreement. To cancel your finance agreement, please contact us (your retailer) and
arrange to return your purchase or cancel the services in line with our terms and conditions and your statutory rights. Once we have confirmed your cancellation, we will advise V12
to cancel your finance agreement, and they will refund any deposits or repayments that have been made where applicable. Your finance agreement can only be cancelled by V12 if your
purchase is cancelled with us.
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which agreement is made or, if later, the date on which V12 Retail Finance tells you that they have signed the agreement). If you wish to withdraw you must give V12 Retail Finance notice in writing or by telephone on 029 2046 8900 or by emailing [email protected]. You can also find V12’s contact details on your credit agreement. Please note that if you do give notice of withdrawal, you must repay the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it.
If you have been approved for finance, the term and finance product cannot be amended but we may be able to amend the loan amount, however, please note you may not be accepted for a higher amount. You will need to contact us (your retailer) to amend the loan or the goods or services you ordered.
During the V12 application process you will confirm your bank details for your repayments to be collected via direct debit. You can also make overpayments by contacting V12 directly or via the V12 AppToPay mobile app or self-service portal that you will be sent more information about via email once you have successfully completed your application.
No, there's no minimum deposit required in order to take out a finance agreement however you can if you wish to. The deposit amount cannot exceed 50% of the order value or take the loan value below the £250 minimum loan amount.
On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may
contact us in any way you prefer.
If your complaint relates
to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider V12 Retail Finance. V12 Retail Finance will acknowledge
your complaint and investigate it thoroughly and issue their response within eight weeks.
- Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
- Telephone: 0300 123 9 123
- E-mail: [email protected]
Further details can be found on the Financial Ombudsman Service website.
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