Gladiator Computers - Finance Options Explained

Buy Now Pay Later (deferred payment)

  • Just 10% deposit
  • No interest charges if you settle on time, just a small admin fee (£25, £30 or £35)
  • No monthly payments; repay the full amount of the loan in either 6, 9 or 12 months
  • No early settlement penalties
  • The option to convert to Classic Finance at the end of the loan period (29.8% APR) over 36-42 months depending on the package

Classic Finance

  • Just 10% deposit
  • Fixed monthly repayments over 24, 36 or 60 months (15.9% APR) to suit your budget
  • Make additional payments when convenient and shorten the repayment time without additional charges

Repayments Calculator

Click on the different packages below to review in detail the interest, fees and monthly repayment amounts for a representative example of a £1000.00 order.

Repayment details for a representative example

Choose a finance package from the repayment calculator for more information.

Is Finance right for you?

To apply for finance, you must be over 18, and you or your partner must work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the past three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.

The longer the repayment period, the more interest you'll pay and the greater the amount of the loan.

The interest payable and APR and therefore size of your loan will be substantially greater if you let a Buy Now Pay Later rollover into Classic Finance than if you choose a Classic Finance plan from the outset.

If you miss a payment you will incur extra charges, your credit record may be affected and you may find it harder to borrow again from V12 or another lender. They may also take legal action against you and may apply for a charging order over your home.

For advice, call 0161 248 1611

During working hours (9am-5:30pm monday-friday) our sales team are always happy to offer advice on finance or on building your dream PC.

Frequently Asked Questions

If your online application is received between 9am and 11pm, in most cases you will know immediately if your application has been accepted or declined. However, credit applications can be referred and if this is the case you will be notified as soon as a decision has been reached.

If your application for credit is accepted you must eSign the credit agreement to complete your order. Your order will be despatched to you once V12 Finance has confirmed that your agreement has been eSigned, which only takes a few minutes.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we will automatically turn down a further request. We do suggest, however, that you leave at least 6 months between applications.

Gladiator Computers offer finance through V12 Finance Ltd. Your financial agreement will be with V12 Finance Ltd.

To apply for finance with Gladiator Computers, you must be over 18, and you or your partner must work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the past three years or more. Unfortunately, we are unable to offer online finance to residents of Eire.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Although we are unable to provide you with a reason if your application is declined, it is usually based on one or more of the following reasons:

  • Adverse credit reference agency information
  • Your credit score (note that every finance company will score you differently)
  • You are aged under 18
  • You are considered to be overcommitted
  • Poor 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.

For a small fee, you can obtain this information the relevant agencies. Useful addresses:

Call Credit Group Limited
One Park Lane
Leeds
West Yorkshire
LS3 1EP
Experian Limited
Consumer Help Desk
PO Box 8000
Nottingham
NG1 5GX
Equifax
Department 1E
PO Box 3001
Glasgow
G81 2DT

To find out more about credit decisions visit the company's website below:

In order to safeguard applications, orders that are being paid for by credit can only be delivered to your home address. Once the finance agreement has been approved, and a delivery address confirmed, it cannot be changed.