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V12 Retail Finance

V12 - Finance your purchase

Get a confidential decision online in seconds!

Whether you're looking to break the bank and go all out on that dream ride you've been pining for (no doubt you'll have a full page spread pinned up on the inside of your garage, right next to your turbo trainer) or wanting a new commuter bike, why not finance your purchase and break down your payment into small, manageable chunks?

Finance is available on all Bikes and Accessories. There's a minimum spend of £350 and depending on the items you've selected, you could be presented with either interest free 0% finance over 6, 12, 24 or 36 months, or 15.9% APR finance over 12, 24, 36 or 48 months.

Do I qualify?

To qualify ...

  • You are over 18 and in receipt of a regular income
  • You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years

Meeting this criteria does not guarantee acceptance. Applications from students (unless employed at least 16 hours per week), or unemployed single house persons will not be considered. Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

Finance In-Store

We offer the exact same finance options in-store, to complete your in-store application you will need to bring two of the following as proof of address.

  • A valid UK driving licence.
  • Bank statement (not internet statement)
  • Credit card statement (not internet statement)
  • Gas, Water or electricity bill.
  • Mortgage statement.
  • Landline telephone bill (not mobile)




Example of Payment plan with 0%

Interest free

12 months at 0% APR representative

Monthly Payments £74.92
Duration (Months) 12
Purchase Price £999.00
Todays Deposit £100.00
Amount of Credit £899.00
Total Repayable £999.00
Interest (APR - representative) 0 %



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V12 Retail Finance Limited. Registered in England and Wales 4585692.
Authorised and regulated by the Financial Conduct Authority. Registration number: 679653.
Registered office: One Arleston Way, Solihull, B90 4LH
Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

V12 Retail Finance Limited act as a credit broker and introduces to one or more lenders, for which they will receive a commission.

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: One 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.