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Finance at Buy Sheds Direct

SPREAD THE COST OF YOUR DREAM GARDEN. Choose a low monthly payment to suit your budget from our range of carefully designed payment options. No deposit required. Apply online. Spread the cost. Instant decision SPREAD THE COST OF YOUR DREAM GARDEN. Choose a low monthly payment to suit your budget from our range of carefully designed payment options. No deposit required. Apply online. Spread the cost. Instant decision 

Why should you wait to get the dream garden you want?

At Buy Sheds Direct you can apply for finance on all orders over £500. By paying on finance, you can spread the cost of your purchase over a longer period of time and get the garden you want sooner!

If you’re eligible for finance on any of our qualifying products, you’ll be able to pay for your order on 15.9% APR over a chosen period of time. Selected products and their upgrades or accessories are available at 0% APR over 6 months - this will be indicated on relevant product pages. Finance is provided by V12 Retail Finance.

What can I buy?

You can use finance to pay for orders over £500. Why not use our finance options to buy a new summer house or log cabin to give you the additional living space that you require, or use it to pay for the fencing project that you have been putting off for months? It doesn’t matter what you want to buy: as long as the order is more than £500, you can pay using finance.

If you are purchasing a product eligible for 0% finance, this needs to be purchased individually. Upgrades and accessories available on the product page will be included in the 0%. Any other items you wish to purchase will need to be paid for as a separate transaction.

Though installation is available as part of your finance package for the majority of our timber garden buildings, we are unable to offer installation for any Forest branded garden buildings as part of your finance package. As such, installation of Forest garden buildings does not contribute to the £500 basket total required to apply for finance.

If you would still like to order installation for your Forest garden building, we can accept a payment by credit or debit card separately. Simply call our friendly, UK-based Customer Service Team on 0333 003 0514 who will be happy to take your payment for installation of your Forest garden building.

Installation is available as part of the finance package on the majority of our other timber garden buildings.

How do I get it?

Paying for your order using finance is easy – simply keep an eye out for the finance symbol. You will be able to apply for finance as a payment method in our checkout when you’re paying for your order.

Finance Calculator

How much will I pay?

Simply use the sliders below to set your total order amount and your optional deposit amount if you choose to add one. Alternatively, edit the amounts in the boxes to the right of the sliders. The table will then show you your monthly payment figure and finance options.

How do I apply online?

step test step test 

Things to consider before applying for finance

What you'll need to apply:

- 3 years’ address history

- Employment and income information

- Bank account number and sort code for setting up your Direct Debit

You must be:

- Aged 18 years or older

- Have resided in the UK for a minimum of 3 years

You need to be at least one of these:

- You or your partner must be in permanent paid employment (minimum of 16 hours a week)

- Retired from regular employment with a pension and over 50

- On disability benefit

- Self-employed

Please note that even if you meet the above criteria, your application for credit may be declined

For more information please call us on 0333 003 0514 or email [email protected] 

Who provides the finance?

Finance is provided by V12 Retail Finance Limited, who are owned by Secure Trust Bank PLC, registered in England and Wales 541132.

Their registered office is:

One Arleston Way


B90 4LH

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

If you’re eligible for finance, you’ll be able to pay for your order over a longer amount of time at 15.9% APR. Credit is provided by V12 Retail Finance.

Our Rates

We’ve got a huge range of options to suit different budgets. With the ability to spread the cost at 0% interest over 6 months on selected products and up to 60 months at 15.9% APR on orders over £500, to build a package that suits you allowing you to get the dream garden you want – exactly when you want it!


  • £500.

  • No.

  • Our 15.9% finance option allows you to spread the cost of your garden building over a maximum of 60 months.

  • The maximum is £15,000.

  • For our 15.9% plan, yes, as long as the total order value is more that £500 and does not exceed £15,000. For our 0% plan, this is only available on selected products and not a full basket. If you want the 0% option, you will need to check out with the qualifying item first.

  • That’s fine! As long as you order is over £500, you can apply for finance.

  • Sorry, but your order total must be more than £500 when you purchase it.

    You could add some accessories to your order to make it up to £500, and then you’d be able to pay using finance.

  • If your credit application is declined, you will need to choose a different payment method to complete your order.