Now there's no need to wait for your Gladiator PC.

Please note: Meeting the above criteria does not automatically mean you will be offered credit.
Each application will be assessed on its individual merits by PayPal Credit. All decisions on awarding finance will be made by PayPal Credit and not Gladiator PC.

PayPal Credit FAQs

What is the cost of PayPal Credit outside of promotional offers?
The Representative Example below shows the typical costs of using a PayPal Credit limit, without using promotional offers:

Representative Example

Purchase rate 23.9% p.a. (variable)
Representative 23.9% APR (variable)
Assumed Credit Limit £1,200

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 31.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.
What is PayPal Credit?
PayPal Credit is like a credit card, without the plastic. It’s a credit limit that sits alongside your PayPal account which you can use for your online purchases.
How do I apply?

You can apply for PayPal Credit by clicking the button on our checkout page. The application process only takes a few minutes to complete. Once they receive your application PayPal will perform a credit check and if your application is approved you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

Once approved you can use your credit limit to pay for your purchases from Gladiator PC and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

How do I make a payment?
You can make a single payment from your bank account, debit card or PayPal balance at any time, online by logging into your account and clicking 'Make a Payment'.
How do I manage my account?
You can keep track of your PayPal Credit activity and history by logging in to your PayPal account and selecting PayPal Credit.
Do I need to reapply if I already have PayPal Credit?
If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout.
What do I do if I am unsuccessful in applying for PayPal Credit?
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful.
What happens if I want to return the item I bought using my PayPal Credit?
Just return your purchase as normal and the money will be refunded to your PayPal Credit account.
Still have questions?
Paypal provide more detailed information on their help pages. For more information, please click the link.
PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. Terms and conditions apply. Credit subject to status, UK residents only, Punch Technology Limited acts as a broker and offers finance from PayPal Credit. PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a form of credit. Check if affordable and how you will repay. May make other borrowing more difficult or expensive. See product terms for more details.

V12 Finance FAQs

Conquer Your Setup, Finance Flexibly with Gladiator PC
Buy now pay later when you spend £500 (inc. VAT) or more. Working with V12 Retail Finance, Gladiator PC can offer a variety of Buy now, Pay Later payment options to ensure you’re up-and-gaming with no delays.
Finance options
We offer the following Finance Options:
  • Interest Free Finance (6 Months)
  • Classic Credit 12 months 19.9% APR representative
  • Classic Credit 24 months 19.9% APR representative
  • Classic Credit 36 Months 19.9% APR representative
  • Buy Now Pay Later (6 Months / 36) 19.9% APR representative
Buy Now Pay Later (BNPL) means you can purchase any eligible product(s) from the Gladiator PC website, and, with the exception of a 15% deposit, you will make no payments for 6 months.
How does it work?
Buy now pay later with 6 months non-payment period
  • Spread the cost with buy now pay later finance available online and in-store.
  • The buy now pay later finance option allows you to spread the cost of your purchase over a total term of 36 months which includes a 6 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 36 months with interest charged at a representative APR of 19.9%. 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.
Purchase price£1,899.95
Deposit amountMin. £285.00
Deferral period6 Months
Settlement fee£29.00
Total repayable within deferral period £1,899.95
Pay over36 Months
Credit amount£1,614.95
APR 19.9%
Instalment amount£63.23
Amount repayable£2,561.28
Goods price £899.95
Deposit amountMin. £135.00
Loan amount £764.99
Interest rate17.9% p.a fixed
Representative17.9% APR
12 monthly repayments of £69.62
Cost of finance £70.45
Total amount payable£970.44
What is financing?
Financing is a method of payment which allows you to make a small, initial outlay and then spread the cost of your purchase over an amount of time that suits you. Our finance options come in the form of “Interest Free”, “Interest Bearing” and “Buy Now, Pay Later”.
Who is eligible?
  • are 18 or older
  • are, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit with an income
  • have been a resident in the UK for at least 3 years
  • have a Bank or Building Society current account available (needed to complete the direct debit instruction)
How can I apply?
We have made the process of applying as quick and as easy as possible. On all eligible products on our site, you will see a V12 finance calculator that will allow you to see the payments you will be making over your finance period. Once you have chosen your product and proceeded to the checkout, enter your shipping details and proceed to the payments section. Here, you can select ‘Apply for Finance’. You will be redirected to the V12 finance portal where you will be required to fill out a simple online application form. In most cases, the decision will be made immediately, although in some cases, your application may need to be referred.
How much can I borrow?
V12 Retail Finance can approve you instantly for up to £15,000, ensuring the setup of your dreams is within reach.
Is a deposit required?
We require a minimum 15% deposit for all V12 finance purchases, though you can put as much as a 50% deposit down. This will need to be paid upon acceptance on all finance options.
When will I know if my application for financing has been approved?

When reaching decision stage, each application will display one of the following decisions on screen, along with notifying you via email to the decision email you have provided.

Approved – You have been approved for the agreement values submitted. You can now proceed through the application and sign the credit agreement.
Declined – You have not been approved for the agreement values submitted and will be given an option to print off V12’s information page about declined applications.
Referred – The application has been referred to V12’s specialist teams for a more detailed review. V12 aim to provide a decision within 24 hours for web applications.

In a small number of cases, it may take longer to carry out additional checks. If V12 require further information, they will contact you directly. As soon as V12 have reached a decision, you will be advised via email.
When does my order get processed?
Once you have returned your completed, approved application and your deposit is paid, we will process your order as normal.
I need to change the address on my order?
Unfortunately, in order to safeguard against fraudulent applications, we must deliver to the shipping address listed in your application.
How are my monthly payments made?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.
What type of goods can I buy on Finance?
Anything on our website. Please remember that the minimum order value for finance is £500(inc vat)
Can I pay off my loan early?
Yes, you can make additional payments at any time on your V12 Self-Service Portal account. V12 can accept additional payments made by debit card on your V12 Self-Service Portal account or over the phone, or you can make a payment by bank transfer. Additional payments will reflect differently depending on your account type. You can choose for the lump sum payment to reduce the remaining term of your agreement by keeping your monthly payment amount the same or keep your remaining term the same and reduce your monthly payment amount.
Will I receive confirmation that I have made all my payments?
Yes, you'll get confirmation of your account being settled sent via email if your communication preference is set to email. This will usually be sent around 10 days after V12 receive your last payment. The confirmation will be sent to the email address you have registered, please check your V12 Self-Service portal account to ensure your details are correct.
How can I check my outstanding balance?
You can check your outstanding balance online on your V12 Self-Service Portal.
Can I view my statement online?
Yes, you can view your annual statement online on your V12 Self-Service Portal account. You'll receive your statement on an annual basis emailed to you when it's ready. In the meantime, you can view your transaction history live on your V12 Self-Service Portal account.
In case of complaints

We like to think that all our customers will be happy with their products from Gladiator PC, but where the need arises to make a complaint, please be assured that we take it very seriously.

If, for any reason, you are unhappy with the goods you have received, you may contact us via:<

Phone: 0161 248 1606
Address: Punch Technology Ltd, Meyer Building, Wirral International Business Park, Bromborough, Wirral, CH62 3RH.

For all complaints received via email, we endeavour to respond within 5 business days.
If your complaint relates to your finance agreement

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 will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks. You can make your complaint by contacting the V12 Customer Resolutions Team by email at or by logging onto your V12 Self-Service account and sending a secure message.

You can also make your complaint in writing to V12 at the address below.

V12 Retail Finance
25-26 Neptune Court
Vanguard Way
CF24 5PJ

If you need to speak with someone via telephone, please call the V12 Customer Services team on 029 2046 8900.

V12 aim to resolve your complaint by the end of the third business day following receipt of your complaint. The full V12 complaints process can be accessed here; Complaints Process - V12 Retail Finance

What to do if you can't reach an agreement

In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response.

Further information regarding the Financial Ombudsman Service can be found on their website at

They can be contacted in the following ways:
Write: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Telephone: 0300 123 9 123

Further details can be found on the Financial Ombudsman Service website - Link

Punch Technology Limited trading as Gladiator PC acts as a credit broker and only offers credit products from Secure Trust Bank plc trading as V12 Retail Finance. Punch Technology Limited trading as Gladiator PC is authorised and regulated by the Financial Conduct Authority. Our registration number is 809833. Credit provided subject to age and status.