When you spend £300 or more through Thurlow Champness and son, you can split the payments into easy-to-manage affordable monthly repayments through our finance options. Approval takes as little as 30 seconds!

Thurlow Champness and Son offers the Classic Credit finance package through V12 Finance: 

Classic Credit

Classic Credit is a more traditional finance offering, in which repayments will start immediately (with the first repayment being due 1 month after the agreement start date) and without the option of immediate repayment.

Advantages of Classic Credit

  • Longer-term loan options are available on Classic Credit, allowing repayment to be spread over a longer period.

Overview of Classic Credit

  • 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
Thurlow Champness & Son Limited is a licensed credit broker, “Licence Number ” Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Thurlow Champness & Son acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance (“v12”). Registered in England 541132. Registered office: One Arleston Way, Soilihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 204550. Thurlow Champness & Son Ltd registered in England . Registered office: 14 Abbeygate Street. Bury St Edmunds. Suffolk. IP33 1UN


1- How quickly will my application be processed?

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.

2- If my application is accepted, what happens next?

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.

3- What is Credit Scoring?

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.

4- If I have been refused credit can I apply again?

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.

5- Who is my financial agreement with?

Thurlow Champness & Son Limited work via V12 Finance Ltd. Your financial agreement will be with V12 Finance Ltd.

6- Who is eligible for finance with Thurlow Champness?

To apply for finance with Thurlow Champness & Son Ltd, 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.

7- Why has my application been declined?

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

8- What type of information do credit agencies hold about me?

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.

9- Can I obtain a copy of information credit agencies hold about me?

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

Call Credit Group Limited
One Park Lane,
West Yorkshire,

Consumer Help Desk
Experian Limited
PO Box 8000

Department 1E
PO Box 3001
G81 2DT

You can also visit the companies websites to find out more about credit decisions:

http://www.callcredit.co.uk/, http://www.experian.co.uk and http://www.equifax.co.uk

10- Can I have my order delivered to somewhere other than my home address?

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.

* Subject to status. Terms and conditions apply.