Finance Options

Snow+Rock is now pleased to be able to offer finance options with facilities provided by V12 Finance. These enable you to apply for Interest Free Finance and get a decision in minutes.

Applying for online finance

Please call 0845 100 1000 / 0044 (0)1483 445355 with the total value of the items you would like to order and we will arrange for the V12 application to be sent to the email of your choice.

Your questions answered!

Here are some of the most commonly asked questions regarding online finance:

What Options are available?

All finance orders are subject to a minimum deposit of 10% which will be taken from your Debit/Credit Card once your order has been confirmed and approved.

How quickly will my application be processed?

If your online application is received between 9am and 8pm, Monday to Friday (excluding Bank & Public holidays), 9am and 6pm on Saturday, or 10am and 5pm on Sunday then in the majority of cases, you will receive a decision within a matter of minutes.

Once my application is approved, what happens next?

Either contact Snow+Rock on 0845 100 1000 / 0044 (0)1483 445355 or we'll call you once we have approval confirmation.

Will you credit score me and if so, what does this mean?

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.

If you decline/refuse my application, what is the reason?

In addition to credit scoring, confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies are all taken into account. Though you will not be provided with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 19
  • Your existing account performance with other lenders

What type of information do credit reference 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.

How do I obtain a copy of this information?

You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

Consumer Help Desk, Experian Limited, PO Box 8000, Nottingham, NG1 5GX

Equifax, Department 1E, PO Box 3001, Glasgow, G81 2DT

Callcredit Limited, Consumer Services Team, One Park Lane, Leeds, LS3 1WZ

You can also find out more about credit decisions by visiting the above companies' websites:, and the above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Who is my finance actually with?

We source the best value finance products from providers who excel in their customer service. Your finance agreement will be with one of the UK's leading finance houses.

If my application is not successful, can I re-apply?

Yes. We acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. We do suggest however, that you leave at least 3 months between applications.

Who is eligible to apply for online finance?

To apply for online finance, you must be between the ages of 19 and 85*, work at least 16 hours a week, or be retired with an income. You must also be a permanent resident of the United Kingdom and have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of the Republic of Ireland. Homemakers aren't excluded from making applications under their own names.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Can I change my order in part or whole after applying for online finance?

If you need to change your order in anyway, it will be necessary to cancel your order and re-key it as if it were new. We apologise for any inconvenience this may cause. If you've already received confirmation of approval for online finance via Snow & Rock Group, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way.

Once you have received the order and you need to return all or part, V12 will be advised of the value and the agreement will be cancelled or adjusted accordingly.

Are the goods I've ordered set aside for me until the approval process is complete?

The items are allocated to your order once the deposit has been paid.

What if I still need assistance after reading the information in this section?

Simply email our customer services team at detailing the nature of your enquiry. A customer services advisor or a member of our online finance team will get back to you as soon as possible with an answer to your question.

Snow and Rock Sports Limited are licensed credit brokers "Licence Number 0652739". Credit is subject to status and available to permanent UK residents only. Finance will be provided and administered by V12 Retail Finance Limited. Registered in England Number 4585692. Registered Office: V12 Retail Finance Limited, 20, Neptune Court, Vanguard Way, Cardiff, South Glamorgan, CF24 5PJ. The retailer is Snow and Rock Group Limited. Written terms available on request.