Our chosen finance provider is V12 Retail Finance. V12 Retail Finance are the UK's leading Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through their long-term dedicated funding lines.

Contact details for V12 Retail Finance are -

Telephone - 02920 468900

Email - customerservices@v12finance.com

Address -
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ

• 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
• be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age;or in receipt of an invalidity or disability allowance

Please note that 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 are also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

All finance decisions will be made by V12 Retail Finance within a few minutes. Once you have been approved, we will contact you (during working hours 7 days a week) to confirm delivery arrangements.

Yes. Credit scoring is the process used by financial services companies like V12 Retail Finance to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows V12 Retail Finance to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

In order to safeguard against fraudulent applications, we regret that we are only able to deliver orders to the home address of the applicant.

To ensure your chosen products are correctly delivered to you, if you need to change your order in any way, we will need to cancel your order and re-key it as if it were new. If you've already received confirmation of approval for V12 Retail Finance via The SUP Company, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via V12 Retail Finance, then each will be treated as a new application and will be processed in the normal way.

In addition to credit scoring, confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies are all taken into account. Though you will not be provided with a main reason for decline of your application, it is usually based on one, or a combination of the following:

• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcommitted
• You are aged under 18
• Your existing account performance with other lenders

Yes. V12 Retail Finance acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. They do suggest, however, that you leave at least 6 months between applications.