Also known as: V12 Retail Finance; V12 Finance
V12 Retail Finance Limited is one of the UK's leading providers of retail finance, offering point-of-sale credit to customers buying products from partner retailers. It provides finance through a network of retail partners rather than selling directly to the public, meaning most people encounter V12 when buying something from a shop or online retailer that uses their service.
V12 provides interest-free credit, interest-bearing instalment plans, and other retail finance products. Interest-free options allow customers to spread the cost of a purchase without paying any interest, typically over periods of 6 to 48 months. Interest-bearing options allow spreading over longer periods, but a charge applies. Always check what you will pay in total before agreeing to any finance.
Partner retailers have included businesses in sectors such as furniture, jewellery, musical instruments, gardening, power tools, and many others. V12 is owned by Secure Trust Bank plc.
If you have a V12 Retail Finance agreement and need to contact them, details are available on their website at v12retailfinance.com. Their registered address is V12 Retail Finance, Nordic House, Western Industrial Estate, Caerphilly, CF83 1YB. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with a V12 retail finance agreement, contact their customer service team to discuss your situation. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice at no cost.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from V12 Retail Finance Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Interest-free retail finance; Interest-bearing retail finance; Buy Now Pay Later at point of sale; 0% credit for retail merchants
Trading names and group notes
Subsidiary of Secure Trust Bank PLC (Companies House 00541132, registered at Yorke House, Solihull). Secure Trust Bank is listed on the London Stock Exchange.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.8
~41,000 reviews
Overall public sentiment
Excellent on Trustpilot. Praised for smooth application process and helpful customer service.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
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