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Home > Interest Free Credit

Interest Free Finance on orders over £500


If you spend at least £500 online why not take advantage of our 'Interest Free Finance' offer?

Instead of paying for your order in one lump sum why not split the payment into 9 easy monthly payments. All you repay is the cost of the goods with no interest to pay! All we require is an initial 10% deposit minimum.

The application can be completed online in less than 5 minutes.

Credit is provided by external finance companies determined by ourselves. Credit subject to acceptance.

When paying by finance the delivery can only be made to the billing address.

Dawsons Department Store is registered in England and Wales 447157. Registered office 54-56 King Street Clitheroe, BB7 2EU. Dawsons Department Store acts as a credit broker and only offers credit products from Secure Trust Blank PLC trading as V12Retail Finance. Dawsons Department Store is authorised and regulated by the Financial Conduct Authority. Our registration numberis 648514. Credit provided subject to age and status.

Classic Credit Finance On orders over £350

If you spend £350 or more online, you can choose to spread the cost of your purchase over a time to suit you, whether it's 12, 24, or 36 months. Just select the Pay on Finance option when you check out. If you spend over £500 you will have the option of Interest Free Finance.

Finance Example 9 Month Option With A 10% Deposit

Cash price £500.

Pay a 10% deposit of £50 then pay £50 each month for 9 months :- Interest Free 0% APR.

Finance Example 9 Month Option With A 40% Deposit

Cash price £600.

Pay a 40% deposit of £240 then pay £40 each month for 9 months :- Interest Free 0% APR.

How To Purchase

Add the required items to your shopping basket and as long as the total is equal to or over £500 then proceed to the checkout and at the payment stage where you will be offered the option of "Paying by Finance". When you select this option you will then be guided through the credit application form which should take less than 5 minutes to complete. Upon succesful completion your order will be processed and despatched in the normal way whilst you continue to make the monthly payments.


A small deposit of 10% minimum needs to be paid upfront

A maximum 50% deposit can be made to reduce monthly payments.

Small payments are made on a monthly basis.

No interest incurred while paying off the amount.


To apply for credit you must

  • Be a least 18 years of age and under 85 years of age.
  • Have been a UK resident for 3 years or more.
  • Be able to make repayments by direct debit.

Be either:

  • In full time employment (working 16 hours or more per week) or
  • self-employed or
  • retired and over 50 years of age or
  • in receipt of an invalidity or disability allowance

Longer Term Finance Over 24 or 36 months

Longer term finance agreements are available over 24 and 36 months and pay just 15.9% APR

Pay up to a 50% deposit then finance the remaining amount over 24 or 36 months and pay just 15.9% APR.

Classic Credit 24 Month Example - Cash price £600

Pay a 10% deposit of £60 then pay £26.14 each month for 24 months :- 15.9% APR - Interest Payable £87.36

What if I don't want interest free credit

No problem - if you would prefer not to take up the interest free credit offer you can pay by debit and all major credit cards.

Who Provides The Finance?

V12 Retail Finance, which is owned by Secure Trust Bank PLC. Registered in England and Wales 541132.

Registered Office:
One Arleston Way
B90 4LH

Authoried by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Finance Terms and Conditions

Stock will not be allocated until the application has been completed and approved.

We reserve the right to withdraw finance on certain products at any time.

Pay on Finance is provided through our external partner, V12.

If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12ís parent company.

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

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Contact Details
Phone: 01200 421010
E-mail: [email protected]
Head Office Address: Dawsons Department Store, 54-56 King Street, Clitheroe, Lancashire, BB7 2EU