Finance at Baker Brothers
Baker Brothers offers comprehensive finance options powered by V12 retail finance to make every step of your Baker Brothers online shopping experience easy.
Our finance options, available in-store or online, allow you to spread the cost of your purchases over £1000*. We offer a wide range of payment terms for you to consider from 12 – 36 months, with a *10% minimum deposit.
*Please be aware that minimum purchases and deposits can change. Minimum purchase and deposit requirements are different in-store compared to online.
Interest Rates
6, 9, 12 and 24 months = 0% interest rate (please see excluded products below)
*Minimum spend: £1000
*Maximum loan: £15,000
*Minimum deposit: 10% of retail price
*Maximum deposit: 50% of retail price
*Please be aware that minimum purchases and deposits can change. Minimum purchase and deposit requirements are different in-store compared to online.
Retail Finance
We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by V12 Retail Finance you will be asked to ESign the credit agreement and once in receipt of your purchase, V12 will make your agreement live and your monthly repayments will commence for the agreed term. In short retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget.
These finance options are exclusive to online only. Finance is subject to status. Terms and Conditions apply.
Finance Options are not available for Sale or Discounted items
Options Available
Subject to availability, the typical products we offer are:
- 6 months Interest Free Credit
- 12 months Interest Free Credit
- 24 month Interest Bearing Credit at 15.9% APR representative
We require a minimum deposit of 25% on our Interest Free products.
Product Information
Interest Free Credit
This is an interest free loan with no arrangement fees
You repay the loan amount through equal monthly payments spread over the chosen repayment period
*Minimum loan of £487.50 applies
Interest Bearing Credit
This is an interest bearing loan with interest charged at the given APR, there are no additional arrangement fees
You repay the loan amount and total interest spread equally over the chosen repayment period
Buy Now Pay Later
This is a loan where you make no initial monthly payments for the set number of months
After the payment free period has ended you can settle the loan off by paying it back in full along with a settlement fee (if applicable)
If you choose not to settle in full, the loan rolls into an interest bearing loan with interest charged at the given APR. You then repay the loan and interest spread equally over the chosen repayment period.
Upfront Fee
With this product you pay an upfront fee of 5% (of the loans value) and then spread the loan over 5 monthly repayments with no additional interest or charges applied.
Eligibility Criteria
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, V12 Retail Finance may ask for proof of sufficient income.
Applying for Finance
Online: