If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call V12 Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.
Our online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we can't give you an instant decision, you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.
- is 18 or older
- is, or their partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit
- has been a resident in the UK for at least 3 years
- has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit (if applicable)
- has a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)
You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.
Address:
V12 Retail Finance Limited
25-26 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ
Yes. A credit check forms part of the automated decision making process.
Yes. You must have a UK bank account capable of accepting Direct Debits.
Yes. If your credit application is accepted, you will be required to pay a deposit online using a credit or debit card. The amount of the deposit is shown in the credit summary and on the credit agreement itself.
Your monthly repayments are collected by Direct Debit.
Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance for details by phone, e-mail or letter at the following;
Telephone: 029 2046 8900
Email: [email protected]
Address:
V12 Retail Finance Limited
25-26 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ
The total cost of the loan is shown on the finance agreement that you will see before you purchase your item(s).
If you fail to pay any amount you owe under the Credit Agreement by the date it is due, V12 Finance may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.
V12 Finance will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.
The APR is shown clearly on the credit summary. It is also shown clearly on the credit agreement itself.
Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. A minimum deposit of 10% is required at the initial payment stage. A credit check will be performed by the finance company as part of the automated transaction process.*
*Please note that promotions, including but not limited to discount codes and cashback, are not applicable when paying by finance.
