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The UK’s Only Specialist Retail Finance Provider

V12 Retail Finance - The only Specialist Retail Finance Provider in the UK

V12 Retail Finance is a UK specialist Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through our long-term dedicated funding lines.

A little bit of history about V12 Retail Finance

V12 owned by Secure Trust Bank plc have pioneered multichannel accessibility and functionality in the Retail Finance sector through its online software system. We are proud of our innovative approach, which has seen V12 forge long-lasting, mutually profitable relationships with our retail partners.

In 1995, V12 was the first lender to launch into the Healthcare sector with specialist Dental Finance. We were the first to offer a multi-spend interest free finance agreement, the first to develop real-time credit application processing, and in 2006 the first to develop a specialist credit application system for Mail Order sales. In 2012 we launched our eSignature system that allows customers to confirm they’ve signed a credit agreement electronically – another simple and effective solution from V12.

At V12 Retail Finance we are specialists, focussed on providing the very best service to retailers in the following sectors:


If you’re a retailer in one of these sectors, call one of our Client Team on 029 2046 8900.