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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.

72%

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.

Retailer Testimonials

The onboarding process was seamless and everything that had been promised was delivered. We were so impressed by the whole team at V12 and the performance of their system that we quickly increased the volumes we were sending to them. We integrated V12 in to our website, which again was seamless, and the impact was fantastic, the process became quicker and more efficient for the customer and the numbers increased significantly.

The real strength of V12 is its people, everyone is great to work with and is geared up to deliver an incredible experience. It truly is a partnership in delivering the experience for our customers together. 

Ben Aelberry - Head of CASS

Watches of Switzerland

I have been working alongside V12 for several years and always find the team to be professional and efficient. Our supporters are also happy with the product and services offered by V12 and if ever they have any problems, V12 are on hand, where possible to resolve.

V12 Finance offers our supporters payment plans which are a critical option for many supporters who need to spread the cost of their season tickets to continue to follow their beloved Club.

Nicola Keye – Director of Ticketing

West Ham United

We're very confident we have the best industry partner in V12. The support from the team is excellent. The customer platform is very intuitive and meets the needs of our practice teams and customers.

Nick Marstoon, Director

MyDentist

Myself and the senior management team are delighted with the support we have received from V12 Retail Finance. After several challenging years across retail, V12 have been a steady and highly regarded element of our professional services network.

James Pike – MD

Cookes Furniture
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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

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Simplicity

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

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Flexibility

Our products offer tailored options that help increase sales

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Support

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.

Trustpilot

V12 Retail Finance Limited. 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 Retail Finance Limited act as a credit broker and not a lender 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: 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.