It’s all about you
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.
Lending is subject to individual circumstances / status | UK Resident only | Minimum age 18+ | Regular provable income required
This is a regulated credit product. Failure to maintain payments may mean you incur charges, repay more than borrowed and make future borrowing more difficult.
V12 Personal Finance is a trading name of V12 Retail Finance Limited. V12 Personal Finance is a credit broker, not a lender. We introduce you to a limited range of lenders and brokers who may offer you a loan. Before you complete your application, you will be shown any commission arrangement we have with the lender or broker you choose.
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.
Latest News
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.