Retail Finance

Interest free finance

The ultimate promotional finance offer, interest-free finance. Our interest-free finance loan terms range from 3-48 months, with no minimum deposit requirements.

Interest bearing finance

This option can help customers to budget for major purchases. We offer this traditional loan product over terms of 12-60 months, with APRs ranging from 9.9% to 19.9%.

*Interest rates are subject to change. Please check with your retailer for the most up to date rates.

Buy Now Pay Later

A payment free period of up to 6, 9 or 12 months from the start of the customer agreement. There is an option to settle the balance within the agreed period or pay monthly instalments at an agreed APR. This gives customers the option to pay in full at a later date with no interest charges.

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.