0% Finance Options Available

Buy Now, Pay Later with interest free finance over 12 months

We are delighted to work with V12 Finance on providing our customers with a 12 month finance option available on purchases over £1000. Simply pay a £250 deposit upfront before having 12 months from delivery to pay the remaining balance.

To apply for credit, follow the guide below or call Martin for assistance. 

You can reach us on 01297 443084 or email us at info@sittingspiritually.co.uk.

0% finance available on all of our products.

Spread the cost over 12 months interest free

Applying for finance is an easy process with Sitting Spiritually. Applications can be submitted online in minutes with immediate decisions.

Pay for the product and not a penny more whilst spreading the payments over 12 months.

Large garden swing seats outside in sunshine

Applying Online 

Find the product you're interested in through our website by browsing our category pages and clicking on the product you're interested in. 

Once you've configured your perfect product click the  'Add to Basket' button and add your address and delivery details. You'll have the option of selecting Pay with Finance on the payment page. Fill out the form provided on the V12 Finance website and you'll be given an immediate decision there and then.

Once you have been accepted you simply need to pay the deposit and complete the agreement online. One of our team will then contact you during working hours to arrange a suitable date and time for delivery.

Applying Offline

Alternatively, you can contact us if you are interested in purchasing one of our products offline but would still like to pay through finance. We will raise a new finance application and send you a link to fill out your details and apply for credit.

You will be notified immediately whether you have been accepted, declined or need to provide additional information.

We will then contact you to confirm the order can proceed and plan a delivery date and time with you.

Example of buying a Swing Seat with credit

Total Cash Price £5,000
Deposit £250
Amount of Credit £4,750
Duration of Agreement 11 months
11 Payments Of £395.83
Plus a Final Payment Of £395.83
Interest £0.00
APR 0%
Total Amount Repayable £4,750




You must:

  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by direct debit
  • Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment
  • *If you are retired and receive a pension or registered disabled and unable to work, Close Brothers may ask for proof of sufficient income.


Can I buy anything on the website with finance?

Finance is only available for purchases over £500.

How much can I borrow?

You may borrow up to £15,000. 

Is a deposit required?

Yes, a £250 deposit is required.

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 date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What length of repayment is available?

3, 6, 9, 10 or 12 months.

How do I Apply?

You can apply on our website, simply follow the instructions shown above in the diagrams.

Loading... Updating page...