Choosing the right watersports kit is rarely just about finding the cheapest option. It is about buying equipment that suits your size, ability, conditions and long-term progression.
That might mean a better touring paddleboard, a properly matched wing foil package, a premium paddle, or even an eFoil. The right setup can make the difference between buying once and enjoying it for years, or buying too small, too basic or too compromised and needing to upgrade quickly.
That is where finance options can be useful. Not as a reason to overspend, and not as a shortcut around affordability, but as a flexible way to spread the cost of the right kit when it makes sense for you.
At The SUP Company, we offer a range of payment options, including card payments, PayPal, Shop Pay, Klarna, PayPal Credit and V12 Retail Finance. Availability depends on the product, basket value and your eligibility at checkout.
Why spreading the cost can make sense for watersports equipment
Watersports kit is quite different from buying a normal online product. A paddleboard, wing foil setup or eFoil is something you are likely to use repeatedly, progress on and build around.
Finance can be helpful when it allows you to choose the setup that is genuinely right for you, rather than buying the cheapest possible option and outgrowing it quickly.
For example, a paddler who wants proper touring performance may be better served by a longer, more efficient board such as the Red Paddle Co 14'0 Voyager rather than a cheaper all-round board that feels slow on longer trips.
A wing foiler may be better off buying a complete, matched package rather than piecing together mismatched components. A rider looking at electric foiling may value a modular eFoil system that can grow with them over time.
The key point is simple: finance should support a sensible buying decision, not replace one.
The main finance options at The SUP Company
You can view the full details on our Finance at The SUP Company page, but the broad options are:
| Payment option | Best suited to | Important note |
|---|---|---|
| Debit or credit card | Simple one-off payment | Available through secure checkout |
| PayPal | Customers who prefer PayPal checkout | Subject to PayPal terms |
| Shop Pay | Fast checkout and eligible instalment options | Eligibility and terms shown at checkout |
| Klarna | Shorter-term payment flexibility | Availability depends on basket and eligibility |
| PayPal Credit | Customers who already use PayPal Credit | Subject to PayPal Credit approval and terms |
| V12 Retail Finance | Higher-value paddleboards, wing foil setups, foils and eFoils | Subject to status, affordability checks and product eligibility |
| Bank transfer | By arrangement on selected orders | Contact the team before ordering |
0% APR interest free finance
On qualifying products, 0% APR interest free finance can be available through V12 Retail Finance. This is often most useful on higher-value purchases such as premium inflatable paddleboards, wing foil packages, foil assist systems and eFoils.
At the time of writing, The SUP Company finance page shows 0.00% APR Representative options over 6, 10, 12 and 18 months on qualifying orders, with a minimum 10% deposit. The exact options available are shown at checkout.
Used properly, interest free finance can help you get the right kit first time while keeping the cost split into more manageable payments.
Example 1: Red Paddle Co 14'0 Voyager
The Red Paddle Co 14'0 Voyager is a serious touring inflatable paddleboard for paddlers who want glide, tracking and load-carrying ability for longer days on the water.
It is not the cheapest board in the range, but for the right paddler it can be the better long-term choice because it is built for distance, efficiency and adventure rather than short casual paddles only.
| Example product | Cash price | 10% deposit | Amount of credit | 18 monthly payments | Total payable | APR |
|---|---|---|---|---|---|---|
| Red Paddle Co 14'0 Voyager | £1,199.00 | £119.90 | £1,079.10 | £59.95 | £1,199.00 | 0.00% APR Representative |
This example assumes the product and order qualify for 18-month 0% APR finance. Final eligibility, available terms and agreement details are confirmed at checkout.
Example 2: Duotone wing foil package
Wing foiling is one of the clearest examples of where buying the right package matters. Board, foil, mast, fuselage, front wing, rear wing and hand wing all need to work together.
A package such as the Duotone Sky Free 5'8 + Free 2.0 1600 Wingfoil Package gives you a properly matched setup rather than a collection of random components.
For many riders, that matters more than saving a small amount by buying unsuitable kit. A balanced package gives you a clearer progression path and reduces the risk of buying parts that hold you back.
| Example product | Cash price | 10% deposit | Amount of credit | 18 monthly payments | Total payable | APR |
|---|---|---|---|---|---|---|
| Duotone Sky Free 5'8 + Free 2.0 1600 Wingfoil Package | £1,799.00 | £179.90 | £1,619.10 | £89.95 | £1,799.00 | 0.00% APR Representative |
This is an illustration only, based on a 10% deposit and 18-month 0% APR term. Product eligibility and available finance options are confirmed at checkout.
If you are still choosing your setup, browse our Duotone Wing & Foil collection or speak to the team before ordering. Wing foiling is much easier when the kit is matched to your weight, ability and local conditions.
Example 3: Waydoo eFoil
eFoils are a bigger investment, but they also open up a very different type of riding. They can be used in lighter wind, flatter water and locations where traditional wind-powered foiling may not work.
The Waydoo Evo Lite eFoil is one of the more approachable routes into electric foiling, while the Waydoo Evo Pro Plus eFoil offers more performance and progression potential.
| Example product | Cash price | 10% deposit | Amount of credit | 18 monthly payments | Total payable | APR |
|---|---|---|---|---|---|---|
| Waydoo Evo Lite eFoil | £5,999.00 | £599.90 | £5,399.10 | £299.95 | £5,999.00 | 0.00% APR Representative |
| Waydoo Evo Pro Plus eFoil | £6,499.00 | £649.90 | £5,849.10 | £324.95 | £6,499.00 | 0.00% APR Representative |
These examples assume the order qualifies for 18-month 0% APR finance. Final finance availability, deposit, term and monthly repayment details are confirmed at checkout before you commit.
If you are comparing electric options, browse our Electric Foil Boards collection or our Waydoo collection.
Extended term finance
Some customers prefer to spread the cost over a longer period. On selected products, longer-term V12 Retail Finance options may be available, including 24, 36 and up to 48 months.
Extended term finance can make larger purchases feel more manageable month to month, but it is important to understand the trade-off. Unlike 0% APR finance, longer-term credit may include interest, so the total amount payable can be higher than the cash price.
At the time of writing, The SUP Company finance page shows the following longer-term V12 examples on qualifying orders:
| Finance option | APR | Minimum deposit | What to remember |
|---|---|---|---|
| Classic Credit 24 months | 9.9% APR Representative | 10% | Total payable will be higher than the cash price |
| Classic Credit 36 months | 9.9% APR Representative | 10% | Total payable will be higher than the cash price |
| Classic Credit 48 months | 15.9% APR Representative | 10% | Total payable will be higher than the cash price |
These options are not suitable for everyone. You should only choose finance if the repayments are affordable and the agreement suits your circumstances.
Where finance can be genuinely useful
When it helps you buy the right size board
A common mistake is buying a paddleboard that is too small, too narrow or too basic because it looks better on price. If you want to paddle longer distances, carry kit, paddle with confidence in UK conditions or progress properly, a better-suited board can be worth the difference.
That is where a board such as a touring paddleboard may make more sense than a cheaper all-round board.
When it helps you build a complete setup properly
Wing foiling and foiling are system sports. One wrong component can make the whole setup feel harder than it needs to.
Finance can make sense when it allows you to build a complete, compatible package rather than buying a wing now, the wrong foil later, and a board that does not match either.
When it supports progression
Some products cost more because they give you more room to grow. That might be a better paddle, a more efficient touring board, a modular foil system or an eFoil with upgrade potential.
The question is not “can I buy the most expensive thing?” The better question is “will this kit still be right for me in two or three seasons?”
When it helps you add the safety and comfort items you actually need
A full setup is not just the headline product. You may also need a buoyancy aid, leash, pump, board bag, wetsuit, boots, helmet, impact vest or spare battery.
Where permitted by the finance provider and checkout, adding essential accessories to the same basket can sometimes be more sensible than buying the main item and then delaying the kit that helps you use it safely and comfortably.
Try before you buy
Finance is useful, but it does not replace good advice or testing where possible.
At our Woodmill SUP Test Centre in Southampton, you can try paddleboards and paddles on sheltered water before committing. This is especially useful if you are choosing between board sizes, constructions or touring options.
For wing foiling, foils, foil assist and selected technical demo kit, our Try It Now service at The SUP Co x Lymington gives customers the chance to get proper setup advice and build confidence before buying.
Buying on finance still means making a commitment, so getting the right advice first really matters.
A responsible note on finance
Finance is a credit product. Applications are subject to status, affordability checks, eligibility and terms and conditions. You will see the full agreement details before committing.
Interest free finance can be very useful when it helps you choose the correct product and spread the cost without paying interest. Extended term finance can offer more flexibility, but where interest applies, the total amount payable will be higher than the cash price.
We will always help you understand the kit, compare options and choose sensibly, but finance should only be used where the repayments are affordable for you.
How to check your options
- Choose the product or package you are interested in.
- Check the product page for available finance messaging.
- Add the item to your basket.
- View the payment options shown at checkout.
- Review the deposit, term, monthly repayment and total payable before committing.
- Contact the team if you are unsure whether the kit itself is right for you.
You can also read more on our Finance at The SUP Company page.
FAQs
Do you offer interest free finance at The SUP Company?
Yes, 0% APR interest free finance is available on qualifying products and orders. Availability depends on product eligibility, basket value, lender criteria and your status. The options available to you are shown at checkout.
What deposit do I need for V12 Retail Finance?
At the time of writing, The SUP Company finance page shows a minimum 10% deposit on the listed V12 finance options. The final deposit and agreement details are confirmed at checkout.
Can I use finance on a Red Paddle Co Voyager?
Many premium inflatable paddleboards may be eligible for finance, including touring boards such as the Red Paddle Co Voyager range. Final eligibility is confirmed on the product page and at checkout.
Can I use finance on a wing foil package?
Yes, finance can often be useful for complete wing foil packages because the board, foil and hardware need to be matched properly. Eligibility depends on the product, order value and finance provider approval.
Can I use finance on an eFoil?
High-value electric foil boards may qualify for finance options, subject to product eligibility and approval. Check the product page and checkout, or contact the team if you would like help comparing eFoil models before applying.
Is extended term finance interest free?
Not always. Some longer-term options may include interest, which means the total amount payable will be higher than the cash price. Always check the APR, monthly repayment, term and total payable before committing.
Will I definitely be approved for finance?
No. Finance is subject to status, affordability checks, eligibility and terms and conditions. Approval is not guaranteed.
Can The SUP Company help me choose what to buy?
Yes. We can help you choose the right paddleboard, wing foil setup, foil assist or eFoil based on your size, ability, conditions and goals. We can also explain the payment routes available, but you should only use finance where the repayments are affordable for you.
Need help choosing?
If you are looking at a premium paddleboard, wing foil package, foil assist setup or eFoil and want to make sure you are choosing correctly, speak to the team before ordering.
Visit thesupco.com, browse our finance options, or contact us for straight, practical advice.
Choosing the right kit first time is always the aim. Flexible payment options simply give you more ways to make that possible.