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Interest Free Finance

At Stove Lounge we offer interest free finance all purchases over £300 for periods of either 6 or 12 months, making the purchase of a stove that bit easier. You can come into our Essex based showroom to browse our models, talk through your requirements and place your order, our assistants will be happy to process your finance application for you or you can place your order through this site and apply for finance with a decision within just a few minutes.

You don't need to bring any documents with you, your identity is all verified electronically and the application process only takes a few minutes, with an instant decision.

We use V12 Retail Finance to provide our customers with a flexible paymnet option. Please note that if your application is accepted, your contract will exist between yourself and V12 Retail Finance and not with Stove Lounge.. V12 are a highly ethical and reputable company specialising in retail finance and are authorised and regulated by the FCA. You will not be charged for taking out finance and there is no interest or charges to pay at all on top of the purchase price as long as you keep to the payment schedule.

Once you have completed a short application form you will get an instant decision and be able to electronically sign the agreement. You will have to pay a 10% deposit upfront and the balance is split across your chosen period without any additional fees.

V12 Retail Finance

V12 are the UK's only specialist provider of retail finance and have a proven track record over 20 years of providing paperless finance solutions. V12 is authorised and regulated by the Financial Conduct Authority (FCA) and Secure Trust Bank Plc is authorised by Prudential Regulation Authority regulated by the Financial Conduct Authority.

Application Process

As part of the application process you will be asked to verify your identity by allowing V12 to authorise a 50p payment on a credit or debit card that is registered to you. This amount will not be charged, but is authorised only and used to verify your identity.

We cannot guarantee that your application will be accepted and your credit file will need to be searched for the application to proceed. You must be over 18, have lived in the UK for 3 years or more and able to make regular payments by Direct Debit.

What happens is my application is refused?

There are a number of reasons that an application might be turned down, including mis-typing and mis-entering details on the application form. You are able to appeal the decision and get more information and advice by contacting V12 on: 02920 468916 or

Please note, regretably we cannot accept V12 finance applications for installations.