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Personal loans

Personal loans

At V12 Retail Finance we're committed to creating opportunities for our customers that make their lives easier, which is why we've chosen Aro as our personal loans partner.

Who are Aro?

Aro, a trading name of Freedom Finance Limited, are one of the UK's leading lending platforms who believe in making the whole borrowing process as simple as possible.  They work with some of the most recognised and established lenders in the UK to provide the most appropriate credit option for a specific borrower profile, without all of the hassle.

Aro have an eligibility check that allows you to check whether you would be approved for a loan without affecting your credit score. They carry out a soft search when they look for your finance options, which will only become a hard search if you choose to take out a loan with a lender.

How can I find out if I'm eligible to borrow?

As a V12 customer, if you're registered on our V12 Self-Service Portal, you can complete your eligibility check through your online account. We'll use the most up to date information that we hold for you to fast track you through the eligibility check application form. All you have to do is confirm whether the details are up to date or let us know if they've changed. Aro can then let you know if you're eligible for a loan within minutes.

You can visit the Aro website or call them on 0333 566 0299 if you would like more information.


V12 Retail Finance Limited act as a Credit Broker and are not a lender and introduce loan applications to Aro. Aro is a trading name of Freedom Finance Limited. Freedom Finance Limited are also a Credit Broker and introduce to one or more lenders and pay V12 Retail Finance Limited a commission for each successful paid out loan. The amount of commission will vary depending on the product chosen and the amount of credit taken out.


Who should I contact if I have any questions?

If you've got any questions about an existing application or have a general enquiry, please contact Aro on 0800 0323829 or email This email address is being protected from spambots. You need JavaScript enabled to view it.  

If you have a complaint regarding Aro please call 0161 4987739 or email This email address is being protected from spambots. You need JavaScript enabled to view it.