To apply for finance you must be:

  • At least 18 years of age. 
  • A permanent UK resident. 
  • In regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment. In receipt of a pension if you are retired. Able to confirm sufficient income if you are registered disabled.

How much can I borrow? Finance is available on orders over £300 

What finance options are available? 0% Finance Deals & 6 Months, 12 Months & 18, Products will only be offered 0% finance at SRP. 

Is a deposit required? Yes, we require a minimum 10% deposit. Increase this to lower the finance amount and your monthly repayments. All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.

What happens if my application is declined? If your credit application is declined you will have the option to process the order with a different payment method (Credit Card, Debit Card, PayPal). 

Can I Pay Off My Loan Early?  You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act. Consumer credit service provided by V12 Retail Finance. V12 Retail Finance is licensed by The Office of Fair Trading (Consumer Credit Licence: 0594229). For more information please refer to our frequently asked questions or visit

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