Finance & Payment


FINANCE & CREDIT OPTIONS

Our mission is to bring you Luxury On Demand. So, with MJJ'S finance & payment options, you can make that special purchase when it suits you. We offer a 0% interest free finance option on selected products through our partner V12 Finance, as well as credit through 'Paypal Credit' and a buy now pay later option via 'Klarna Payments'.

 

  • V12 Finance 
  • Paypal Credit
  • Klarna Payments


We've made it even easier for you to pay for your order by offering finance on orders over £280.

  • Finance Available
  • No Paperwork Required
  • Fast and easy decisions

 

We have 2 types of finance options available with our partner V12 Retail Finance.

To take advantage of our finance offering please add more than £280 to your basket, continue through checkout and select V12 at the payment stage.

INTEREST FREE FINANCE

  • Spread the cost over 12, 24, 36 or 48 months
  • Up to £15,000 credit available
  • Minimum 10% deposit required
  • Promotional interest rate 0%

CLASSIC CREDIT FINANCE

  • Spread the cost over 12, 24, 36 or 48 months
  • Up to £15,000 credit available
  • Minimum 10% deposit required
  • Promotional interest rate 0%

 

HOW TO APPLY FOR FINANCE

Placing your finance order is really simple. Just follow these steps:

STEP 1:

ADD ITEMS TO YOUR BASKET

Choose the items you want and add them to your basket

STEP 2:

CHECKOUT USING FINANCE

Continue through our checkout selecting finance at the end

STEP 3:

COMPLETE FINANCE APPLICATION

Fill out the finance application when prompted

STEP 4:

WE DELIVER YOUR GOODS

Once you're approved we'll ship your goods to you

 

To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.

 

To qualify for V12 Finance options, you must:

  • Be 18 years of age or older.
  • Be in full time employment (16 hours or more per week), self-employed, retired.
  • Been living as a UK resident for 3 years or more.
  • Have at least 3 years of UK address history.
  • Be able to make repayments by direct debit using your bank sort code and account number.

The maximum amount you can apply to finance is £15,000 and when you place your order you just need to pay a minimum deposit of 10%. Once you have completed the application you will normally know immediately whether your application has been successful.

 

 

 

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.

 

What credit offers are available?

A 0% interest offer you can use again and again: PayPal Credit's 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase.*

Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 19.9% p.a.

* 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 19.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

 

How do I apply?

Applying for PayPal Credit is easy. Just click on the PayPal Credit button on our checkout page.

The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you'll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

 

You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

 

Do I need to reapply if I already have PayPal Credit?

Yes, however if you don't have a PayPal account, you can create one as part of the PayPal Credit application.

Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal's User Agreement.

 

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. You can still use PayPal to complete your purchase.

 

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.

 

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 19.9% p.a. (variable)
  • Representative 19.9% APR (variable)
  • Assumed Credit Limit £1,200

 

What is Klarna?

Klarna is one of Europe's largest banks where you can buy now and pay later. Klarna Pay Later is used by over 45 million customers across over 65,000 online stores.

 

How does Klarna work?

Once your order has been confirmed, you'll receive an email from Klarna within two days, letting you know when your payment is due. With Pay Later, you will have 30 days after shipping to complete your payment online. You can pay using credit or debit card.

 

Are there any additional fees if I use Klarna?

No. The benefit to using Pay Later is that your goods arrive before you pay a penny. Klarna is the real 'try before you buy'. There's no interest and no fees, simply make your purchase, keep your purchase and pay 30 days later.

 

Do I have to complete a credit application?

No. Klarna will perform a quotation search with an external credit reference agency but this is not a full credit check and will not affect your credit rating or be visible to other companies.