• Easy integration

    Retail finance that fits your business needs

    The V12 application works seamlessly on any mobile device

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  • Intelligent retail finance

    Power your sales with V12

    We can help you to unlock your sales potential

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New to Retail Finance?

When customers make large purchases, the cost or affordability is often a key decision factor. V12 Retail Finance can help you to increase conversion rates and sales and grow your business, whether you're a smaller independent store or a national retailer.

Our research shows that 28% of customers spent more than they would have done without a finance option and 52% of customers wouldn't have made their purchase without a finance option*.

What is Retail Finance?
  • The customer can purchase goods or services and spread the cost through monthly instalments.
  • Finance can be interest free or interest bearing.
  • Terms range from 3 months to 60 months.
  • The customer can apply either in your store or at home via your website.
  • The process is quick and straightforward and with V12 the customer can have a decision in seconds.
  • The V12 application process has been designed with mobile in mind so your customer can apply for finance on any device.


Can I offer Retail Finance?

To offer interest bearing credit or finance terms longer than 12 months as a retailer, you will need to hold Financial Conduct Authority (FCA) authorisation. If you don't have FCA authorisation you can still offer up to 12 months' 0% finance.

FCA authorisation to offer retail finance is issued by the FCA. Please click here more information.

To become one of our retail partners you will need:

  • Minimum of £1,500,000 annual sales turnover.
  • Minimum trading history of 24 months and be able to supply audited accounts.
  • Be in a profitable trading position.
  • Require business to consumer finance and not business to business finance.

* Based on V12 Retail Finance customer survey 2015