Personal loans
Bring your ideas to life with a personal loan, brought to you through V12 Personal Finance.
Bring your ideas to life with a personal loan, brought to you through V12 Personal Finance, a trading name of V12 Retail Finance Limited, here to help you fulfil your ambitions.
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 statement.
Why V12?
- Borrow from £2,000 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*.
- We find you loan offers based on the information you provide.
- Quickly view your offers along with your personalised APR rate** and your eligibility.
*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.
**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 for secured loans, and aged 20 and over for unsecured loans.
- 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 Retail Finance is a credit broker not a lender, we work with a carefully selected panel of trusted UK lenders and credit brokers to help you find a personal loan.
Checking your eligibility for a personal loan is quick and easy
Simply click on the button below, and you'll be redirected to the V12 Personal Finance website.
If you're an existing customer and you've already registered on our Self-Service Portal or use AppToPay, we'll use the most up to date information that we hold for you to fast track you through the eligibility check process. All we'll need from you is confirmation of whether your details are correct or of any changes.
If you're a new customer, then simply complete the eligibility check through the V12 Personal Finance website, and we'll do the rest.
You'll be provided with details of loans you’re eligible for based on your individual circumstances. We'll also show you your personalised APR, which is the rate the lender is willing to offer you, how much your repayments could be, and your chance of being accepted, subject to additional checks such as affordability and identification.
Check eligibility
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: 0333 122 1109
Email:
Website: www.v12personalfinance.com
Our Customer Service opening hours are Monday to Friday 9am-5pm, closed Saturday, Sunday and bank holidays (including Easter).
It's important to carefully consider the type of loan that best suits your needs as well as a term and amount that is suitable and affordable.
V12 Personal Finance is a credit broker, not a lender. V12 Personal Finance introduces you to a limited range of brokers or lenders who may offer you a loan. V12 Personal Finance does not work with the whole of the lending market, meaning other loans may be available to you elsewhere.
V12 Personal Finance does not give you any recommendation or advice. V12 Personal Finance acts for itself and is not impartial. It does not act for you or for the lenders or brokers it works with.
V12 Personal Finance receives a fixed or percentage commission payment from the lender or broker if you take out a loan. The commission it receives varies depending on the product and loan amount. Loan offers (if available) are shown in this order: unsecured loans followed by secured loans, ranked by the closest matched loan amount, term and lowest APR respectively. Before completing your application, you will be shown the commission arrangement between V12 Personal Finance and the lender or broker you have selected.
Credit is subject to status. You must be UK resident aged 18 and over, with a regular provable income. 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.
To make things easier, we'll share the information (including your personal details) that you confirm and provided during this eligibility check with our panel of lenders or brokers. We do this so that they can provide you with a quote for the loan you have requested and to save you from having to tell them again. Details of our panel can be found here.
You can read more about how we use your personal data in our privacy policy.
Representative 22.0% APR
Representative example: If you borrow £7,500 over 5 years at a representative APR of 22.0% and an annual interest rate of 22.0% (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, the % APR rate you will be offered is dependent on your personal circumstances.
V12 Retail Finance Limited is registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Personal Finance is a trading name of V12 Retail Finance Limited.
V12 Personal Finance is a credit broker, not a lender. V12 Personal Finance introduces you to a limited range of brokers or lenders who may offer you a loan. V12 Personal Finance does not work with the whole of the lending market, meaning other loans may be available to you elsewhere. V12 Personal Finance does not give you any recommendation or advice. V12 Personal Finance acts for itself and is not impartial. It does not act for you or for the lenders or brokers it works with.
V12 Personal Finance receives a fixed or percentage commission payment from the lender or broker if you take out a loan. The commission it receives varies depending on the product and loan amount. Loan offers (if available) are shown in this order: unsecured loans followed by secured loans, ranked by the closest matched loan amount, term and lowest APR respectively. Before completing your application, you will be shown the commission arrangement between V12 Personal Finance and the lender or broker you have selected.
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: Yorke House, 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.