Frequently Asked Questions

With V12 Retail Finance, we offer interest free credit and interest bearing credit at an attractive rate of 9.9% APR Representative.

Interest Free Credit - Up to 5 years 0% APR

Spread the cost between 6 – 60 months, depending on the price of your item.

For each term available, you can choose your deposit  (minimum 10% for 6 - 48 month terms or 15% for 60 month terms). 

Interest Bearing Credit – Up to 5 years 9.9% APR Representative

There are certain products where interest free credit may be limited to shorter terms. Where this is the case, we are pleased to be able to offer you up to 5 years 9.9% APR Representative credit with V12 Retail Finance.

To apply for finance, The applicant must:

• Be 18 years old or older.
• Be in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in parttime work or in receipt of a disability benefit
• Have been a resident in the UK for at least 3 years
• Have a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
• Have a Bank or Building Society current account available – this is required to complete the direct debit instruction
• Have an email address to receive the important information throughout the application process, including their signed credit agreement

To process your finance application, you will be required to provide details about your personal, employment, and financial circumstances. V12 Retail Finance will share your personal data with Credit Reference Agencies to determine whether you are eligible for finance. As part of this process, V12 will carry out a hard search on your credit file to assess your creditworthiness and affordability, helping them make an informed decision.

V12 will provide information on where to access their privacy policy at the start of your application.

Yes. We offer a Click & Collect service for online orders. If you select this option during checkout, your order will be processed for collection, and we will notify you as soon as it is ready to collect from our Lancaster showroom.

To collect your order, you must provide one of the following forms of photographic identification:

• UK driving licence
• UK passport
• UK CitizenCard
• Firearms certificate or shotgun certificate
• Armed Forces ID card

The address shown on your ID must match the customer address provided on your V12 Finance application.

You must also bring the payment card used to pay your deposit online. We will verify that:

• The name on the payment card matches the name on the V12 Finance application.
• The last four digits of the payment card match the card used to pay the online deposit.

If you do not select Click & Collect, any online purchase made using our finance options must be delivered to the applicant's registered address.

Please note that once a finance application has been submitted, the fulfilment method cannot be changed from delivery to Click & Collect, or vice versa. If you wish to change your chosen method, you will need to submit a new finance application.

Alternatively, you are welcome to purchase products in-store using our Pay Monthly finance options. In this case, the finance application can be completed at our Lancaster showroom.

Applying is easy:

1. Select your product and proceed to checkout.
2. Choose the "Pay Monthly Finance" option at checkout.
3. Complete the finance application with our trusted provider V12.
4. Receive an instant decision

Deposits are payable only after your applicated is accepted.

All decisions are made by V12 retail finance and reasons are not shared with us due to Data Protection law.

Common factors may be:

• Credit Issues: Poor credit score, no credit history, or too many recent credit applications.
• Affordability: Insufficient income or high existing debts.
• Incorrect Information: Errors in your application or unverifiable details.
• Employment: Irregular or unstable job status.
• Residency: Not being a UK resident or lacking address history.
• Eligibility: Being under 18 or not meeting legal requirements.

What Can I Do?

• Check your credit report and improve your score.
• Ensure all application details are accurate.
• Contact the finance provider for feedback or explore alternative payment options.

If you wish to speak to V12 retail finance about their decision, we advise all customers to obtain an up-to-date copy of their credit report (through TransUnion, Equifax or Experian) before contacting the credit company. Customers can contact V12 by phone on 02920 468916 or by email to [email protected].