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We are V12 Retail Finance, and we work with our retail partners to offer a range of simple and straightforward finance options.

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They say that good things come to those who wait. But we know that sometimes you just can't wait to make a purchase - whether it's one of life's essentials that you can't live without, or one of life's luxuries that you may not need, but you really, really want!

So that's why we're here: to help you buy the things that matter to you at the time that you want them from your favourite retailers.

*Based on a 12-month score, correct as of December 2021.

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Interest Bearing

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Take 5

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Buy Now Pay Later

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Here’s what our customers have to say about us.

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Customer Testimonials

Seamless and quick.

Would recommend and buy again without hesitation, seamless and quick. Excellent.

Robert Newton

Great company to deal with.

They did everything well including a very fast answer to a straightforward application form.

Andrew Ritchie

Smooth and easy application to use. Approved in minutes.

Simple to use app with finance agreement sorted in minutes. Completed the whole transaction on my mobile phone.

Tracy Rumsey

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V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: One Arleston Way, Solihull, B90 4LH Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

V12 Retail Finance Limited act as a credit broker and introduces you to Secure Trust Bank Plc, its parent company. If your application is successful, V12 Retail Finance Limited will receive a commission, the amount will vary depending on the product chosen and the amount of credit taken out.

Secure Trust Bank PLC. Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: One Arleston Way, Solihull, B90 4LH.

V12 Retail Finance is a trading name of Secure Trust Bank PLC. All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.