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Buying Stoves & Fireplaces with Finance.

Just Stoves are pleased to offer finance payment options on any purchase of £750 or more. Just use the Quick and Simple online application as part of the checkout process!

Finance is available on all purchases of £750 or more. You can apply online 24 hours a day - it's quick, easy and you'll get an instant decision. There is NO administration fee payable on any of our finance schemes. Our online retail finance partner is V12 Finance and credit is provided subject to status. Simply register, place the goods in your basket, checkout and then click V12 Finance in the checkout process and you will be taken to Order Summary. Here you can select your term and deposit amount, accept our terms and conditions, place the order and pay your deposit.

Please register and make sure your address and billing information is fully complete before trying to purchase your goods. In the checkout area or in order summary please select the V12 Finance option in the bottom right hand side or you will be taken to debit or credit card payment option instead.

Just-Stoves Finance Calculator


We offer loan amounts of £750 to £15,000.
The interest rate is 0% for 12 and 24 months.

Visit our website and select the items you wish to purchase. Then select the V12 Finance option on the Checkout page. It takes only a couple of minutes and you get an instant decision.

The Benefits

Buy the items you want now for a low monthly payment.

Select 12 or 24 month repayment periods based on your preferred option.

Choose a higher-spec model for a few pounds more per month. You can spread the cost of your purchase to minimise your monthly payments.

One-stop shopping - no need to go to a bank to secure funding.

Keep your cash for day-to-day expenses. Your payments are fixed for the duration of the agreement allowing you to budget more effectively.


Finance is available on all purchases of £750 or more.

To apply for finance you must meet the following criteria:

  • You must be over 18 years of age. You must be a UK resident with at least 3 years continual address history. You must be in full time employment, unless retired or a house person with a spouse in full time employment.
  • You must have a UK bank account capable of accepting Direct Debits. The goods must be delivered to your home address.


Frequently Asked Questions

How much can I borrow?

When checking out, just fill out our easy online application form and you can be approved for up to £15,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £750.

Is a deposit required?

Yes. A minimum 40% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What type of equipment can I purchase?

Currently our finance only applies to our stoves, with a minimum £750 purchase. Liners, ancillaries, wood fuels & flue pipe can not be financed at this time.

What length of repayment is available?

You can choose a 12 or 24 month loan repayment period.

How do I apply?

You can apply on our website or in store.

Can I pay my agreement off early?

You can settle your loan agreement at any time for no extra cost. Simply write to V12 Retail Finance Limited and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

V12 Retail Finance Limited, 20 Neptune Court, Vanguard Way, Cardiff CF24 5PJ.

Call: 02920 468900, or e-mail

Or visit:

V12 Finance