Finance at Grass Direct

We understand sometimes you get that perfect idea in your head, and you've just got to have it.

Now you can make your dream reality whilst spreading the cost over a period that suits your needs.
V12 Finance
Spread the cost of your purchase with one of our credit options! We've teamed up with V12 Finance to bring you a range of flexible credit plans for up to 5 years, all with no deposit to pay.

All of our options are available online, in store and even over the phone. Get in touch today to see if you are eligible for our finance options, or view below for more information and representative examples.
  • No Hidden Fees What you are quoted is what you'll pay
  • Quick Application Apply in minutes and receive an instant decision
  • No Paperwork All documents are digital and are signed using an e-signature
  • Credit available for up to 5 years A range of options to suit your needs
  • Online, In-Store and via Phone Talk about finance in a manner that suits you

Our Offerings

Classic Credit24 Months36 Months48 MonthsInterest Free
Term (months)24 / 36 / 4824364820
Representative APR (fixed)15.9% APR15.9% APR15.9% APR15.9% APR0% APR
Interest Rate per year (fixed)8.09% / 8.17% / 8.30%8.09%8.17%8.30%0%
Min. Spend£500£500£500£500£4000
Deposit£0£0£0£0£0

Representative Examples

Classic Credit - 48 Months Our classic pay monthly representative example shows the breakdown of a purchase of £750, spread over 4 years with our 15.9% APR representative classic credit option.
Cash Price£750
Term48 Months
Deposit£0
Total Credit£750
Representative APR (Fixed)15.9% APR
Interest Rate per year (Fixed)8.30%
Monthly Payment£20.81
Cost of Credit£248.88
Total Payable£998.88
Interest Free - 20 Months Our interest free pay monthly representative example shows the breakdown of a purchase of £4000, spread over a year with 0% APR representative.
Cash Price£4000
Term20 Months
Deposit£0
Total Credit£4000
Representative APR (fixed)0% APR
Interest Rate per year (Fixed)0%
Monthly Payment£200
Final Payment£200
Cost of Credit£0
Total Payable£4000

Am I Eligible?

If you're applying for finance, you need to:
  • Spend over £500
  • Be at least 18 years of age
  • Have been a resident in the UK for at least 3 years
  • Have a credit/debit card in your name and registered to your address
  • Be in regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Be able to pay via Direct Debit
* 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.
Terms & Conditions
  • Consumer finance on grass-direct.co.uk is organised and administered jointly by Connection Flooring Limited T/A Grass Direct and V12 Retail Finance Limited.
  • Finance on grass-direct.co.uk is only applicable to purchases made on https://www.grass-direct.co.uk
  • The Grass Direct finance option is available on any grass-direct.co.uk order over £500.00 including VAT.
  • All offers of finance are subject to acceptance by Secure Trust Bank PLC T/A V12 Retail Finance. Connection Flooring Limited accepts no liability in relation to the credit analysis and resulting contractual obligations. Please direct all enquiries in writing to: V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.
  • Please keep a copy of the Terms and Conditions as well as your invoice for your records. We advise applicants to keep the documents relating to the financing application.
  • If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
  • Connection Flooring Limited reserves the right to change these Terms and Conditions at any time.
  • Connection Flooring Limited are authorised and regulated by the Financial Conduct Authority.
  • Connection Flooring Limited acts as a broker and offers credit from Secure Trust Bank PLC T/A V12 Retail Finance. Secure Trust Bank PLC T/A V12 Retail Finance act as a credit intermediary. They are registered in England and Wales (company number 4585692) and authorised and regulated by the Financial Conduct Authority (register number 679653).
Finance Disclosure
  • Connection Flooring Ltd (07924240) t/a Grass Direct is a broker not a lender and offers credit products from Secure Trust Bank PLC T/A V12 Retail Finance. Connection Flooring is authorised and regulated by the Financial Conduct Authority FRN: 801786. V12 Retail Finance Limited (4585692), Yorke House, Arleston Way, Solihull, B90 4LH, is authorised and regulated by the Financial Conduct Authority FRN 679653. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority. *Credit is subject to status & minimum spend. Terms and conditions apply. Applicants must be aged 18 or over.
Complaints Policy
  • Please see our complaints policy via this link. In the unlikely event you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response. Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk.