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Why V12 Retail Finance?

Show your customers you care about what they want.

Offer them ways to pay for the things they love

Man an woman shopping for a sofa

We’ve been at the forefront of retail finance for over 20 years. Offering service and systems you can trust that help you drive sales and offer flexibility. As a standard, you can expect a fast application process and decisions, giving customers the ability to make that all important purchase.


of customers said they would not have made their purchase if our finance was not available.*

*V12 Retail Finance customer survey, December 2023, 1100 responses

You’ll be supported from the start by our V12 experts. Our system was designed for you and your customers and offers fast integration. The journey doesn’t end there. We’re by your side throughout our partnership, offering help and support whenever you need us.

Click here and partner with a finance provider that cares

Why we stand out:

We’re in it for the long haul. As a responsible retail finance provider, we look at the big picture and we’ll help you futureproof your business by giving your customers a way to spread the cost, so they can make a purchase.

We use common-sense decision making to offer your customers finance appropriate to their needs and personal circumstances. If customers need to be referred, our skilled underwriters are there to support them.

You can trust us to do what’s right and feel safe in the knowledge that your customers will get an excellent experience. Don’t just take our word for it. We’ve been awarded a Customer Service Excellence accreditation and rated excellent on TrustPilot.

As part of the Secure Trust Bank Group, we also have the financial backing to make our pricing, products and services work for you.

We arrange and administer retail finance loans on behalf of Secure Trust Bank PLC, who is the lender. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

We know it’s about your business working well for you, but we also know, most importantly, it’s about the customer. We’ll help you put them at the heart of what you do so they keep coming back for more.

We offer icon


Quick online, mobile, in-store, and mail order processes icon


Our products offer tailored options that help increase sales ring icon


As well as top class relationship management, you'll have access to a comprehensive suite of helpful information through our v12 Portal, which can be accessed in real-time.