We’ve been helping people spread the cost for over 20 years, so you can trust us to be there for you.
Bring your ideas to life with a personal loan, brought to you through V12 Personal Finance.
We work hard to make things easy.
Helping you fulfil your ambitions through our innovative approach to finance alongside systems and service you can trust.
Managing your agreement should be simple.
The V12 app gives you one place to check your balance, keep track of payments, change your payment date, view documents and send us secure messages when you need support.
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Why interest free finance makes bigger buys feel more manageable
14 July 2026
Buying something expensive isn't just about picking the right product, it's also about how you pay.
Q2 2026 Retail Finance update: Navigating change with confidence
06 July 2026
Andrew Phillips, Managing Director of V12 Retail Finance, discusses how Q2 has reinforced the trends already shaping the market. Read more here.
BNPL regulation changes explained: what retailers need to know (and how V12 helps)
17 June 2026
On 15 July 2026, interest free BNPL credit repaid within 12 months or less is becoming known as Deferred Payment Credit (DPC). Here's what it means.
How V12 protects your customers
07 May 2026
In retail, the moment a customer completes their purchase is no longer the end of their journey.
