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Personal loans

Bring your ideas to life with a personal loan, brought to you by V12.

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Bring your ideas to life with a personal loan, brought to you by V12 Personal Finance, a trading name of V12 Retail Finance Limited, here to help you fulfil your ambitions.

As a credit broker, we work with a carefully selected panel of leading UK lenders and credit brokers – see the list here. You can also read more about how we use your personal data in our privacy notice.

Why V12?

  • Borrow from £1,000 to £500,000.
  • It’s quick and simple, an eligibility check takes just a few minutes, and there’s no harm to your credit score. A full credit search will be carried out if you choose to apply for a loan with your chosen lender, and the Credit Reference Agencies may keep a record of that search.
  • We find your best matched loan offers based on the information you provide.
  • Quickly view your offers along with your personalised APR rate* and your eligibility.

*Your personalised APR rate is the rate the lender is prepared to offer you for the loan amount and term requested, subject to additional checks such as affordability and identification.

What you need to know:

  • This is a credit product. Credit is subject to status and is only available to UK residents aged 18 and over.
  • Failure to maintain payments may make future borrowing more difficult.
  • If you’re thinking of consolidating existing borrowing you should be aware you may be extending the term of the debt and increasing the total amount you repay.
  • Lending is subject to individual circumstances/status.
  • If you are a homeowner V12 Personal Finance may provide you with details of loans secured against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. 

V12 Personal Finance is a trading name of V12 Retail Finance Limited. V12 Retail Finance Limited is a credit broker and not a lender.  V12 Personal Finance introduces to one or more lenders for which we will receive a fee or commission payment for each successful paid out loan. The amount of the fee or commission payment will vary depending on the product chosen and the amount of credit taken out.

How do I check my eligibility?

If you’re an existing V12 Retail Finance customer and you're registered on our V12 Self-Service Portal, you can complete your eligibility check quickly and easily 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 process. All you must do is confirm whether your details are up to date or let us know if they've changed.

You’ll then be provided with details of loans you’re eligible for, considering your individual circumstances. We’ll also show you your personalised APR, which is the rate the lender is willing to offer you, subject to additional checks such as affordability and identification.

Sign in to your V12 account here.

What if I’m not an existing V12 Retail Finance customer? You can still check your eligibility for a loan with our partner Aro, a trading name of Aro Finance Limited, who also offer an eligibility check that lets you see whether you would be approved for a loan without affecting your credit score. Aro are a credit broker and not a lender and introduce to one or more lenders and pays 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.

Visit Aro's website here.

Who should I contact if I have questions?

If you've got any questions about an existing eligibility check or would like some help or support, please contact our Customer Services team.

Telephone: 02920 468 900

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Our Customer Service opening hours are Monday to Friday 9am-5pm, closed Saturday, Sunday and bank holidays (including Easter).

Representative 22% APR

Representative example: If you borrow £7,500 over 5 years at a Representative APR of 22% and an annual interest rate of 22% (fixed) you would pay £207.14 per month. Total amount repayable is £12,428.51. Minimum repayment period is 12 months. Total charge for credit will be £4,928.51

Credit is subject to status. UK resident aged 18 and over. Regular income provable. If you are a homeowner, V12 Personal Finance, which is a trading name of V12 Retail Finance Limited, may provide you with details of loans secured against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The % APR rate you will be offered is dependent on your personal circumstances.

V12 Personal Finance is a trading name of V12 Retail Finance Limited. V12 Retail Finance Limited is a credit broker and not a lender. V12 Personal Finance introduces to one or more lenders or credit brokers, for which we will receive a fee or commission payment for each successful paid out loan. The amount of the fee or commission payment will vary depending on the product chosen and the amount of credit taken out.