Spread the cost of the right watersports setup
0% APR interest-free finance is one of the best ways to get on the water with the right kit from day one, especially on premium paddleboards, paddles, wings, foils, foil assist systems and higher-value setups.
At The SUP Company, we offer a mix of short-term and longer-term finance options at checkout, using trusted providers including V12 Retail Finance, Shop Pay, Klarna and PayPal Credit. Availability varies by product, basket value, provider and customer eligibility.
Quick overview
Finance can help you choose the right equipment from the start rather than compromising on a setup that may not support your progression. The options available will be shown during checkout where eligible.
Interest-free options
0% APR finance on qualifying items
0% APR options may be available on qualifying products across our website and in our stores, subject to eligibility, basket value and finance provider approval.
Longer-term options
Spread the cost over longer periods
Longer-term finance, including selected 24, 36 and 48-month options, may be available via V12 Retail Finance on qualifying products.
Checkout flexibility
Shop Pay, Klarna and PayPal Credit
Shorter instalment or payment options may also be available at checkout via Shop Pay, Klarna or PayPal Credit, depending on your basket and eligibility.
Quick navigation
0% APR interest-free finance options with V12 Retail Finance
On qualifying products, you will see finance messaging on the product page and available finance options during checkout. The V12 options below are shown as Representative APR examples and use a minimum 10% deposit.
Interest Free Finance — 6 months
Representative APR: 0.00%
Minimum deposit: 10%
Interest Free Finance — 10 months
Representative APR: 0.00%
Minimum deposit: 10%
Interest Free Finance — 12 months
Representative APR: 0.00%
Minimum deposit: 10%
Interest Free Finance — 18 months
Representative APR: 0.00%
Minimum deposit: 10%
Classic Credit — 24 months
Representative APR: 9.9%
Minimum deposit: 10%
Classic Credit — 36 months
Representative APR: 9.9%
Minimum deposit: 10%
Classic Credit — 48 months
Representative APR: 15.9%
Minimum deposit: 10%
Key point: we offer 0% APR finance on many items over £295. Final eligibility, available terms and full agreement details are confirmed during checkout.
Shop Pay, Klarna and PayPal Credit
If you prefer a quick checkout route, shorter instalment or payment options may be available depending on your basket and eligibility. These options are shown during checkout where available.
Shop Pay
Shop Pay may offer instalment options on eligible orders. Terms are shown clearly during checkout and availability depends on basket value and customer eligibility.
Klarna
Klarna options may be available at checkout for eligible baskets, subject to Klarna’s terms, checks and approval.
PayPal Credit
PayPal Credit may be available as an alternative checkout route, depending on your PayPal account, eligibility and the basket value.
What can I use finance on?
Finance is usually best suited to higher-value purchases where spreading the cost makes sense. Final eligibility is always confirmed at checkout.
Premium inflatable paddleboards
Premium SUP packages are often eligible for finance, depending on product value and provider terms.
Wing foiling wings
Higher-value wings and wingfoil equipment may qualify for finance depending on checkout eligibility.
Foils and foil systems
Front wings, masts, stabilisers, fuselages and complete foil systems are often higher-value purchases where finance can help.
Foil assist and eFoils
Foil assist systems and eFoils are premium purchases where longer-term finance may be especially useful.
Foil Drive Assist Max Complete Kit | Waydoo EVO Pro Plus eFoil
Accessories, clothing and footwear
Lower-value items are often better suited to Shop Pay, Klarna or PayPal Credit, or may be added to the same basket as an eligible finance product where permitted.
How finance works
1. Choose your equipment
Build your basket with the board, wing, foil, paddle, package or accessories you want to buy. Finance availability will depend on the products and total basket value.
2. Check the available options
Where available, finance options will be shown on the product page and at checkout. The exact provider, term and repayment details depend on eligibility and basket value.
3. Apply during checkout
Add your items to basket, choose the finance or payment option shown at checkout, and follow the provider prompts. Most applications are completed quickly online.
4. Review the full agreement
Before you commit, you will be shown the full finance agreement, including deposit, term, monthly payments, total amount payable and any applicable interest.
5. Complete your order
Once approved and completed, your order will be processed in line with our normal stock, dispatch and collection arrangements.
A quick note on responsible borrowing
Finance is a regulated credit product. Applications are subject to status, eligibility and affordability checks, and terms and conditions apply.
You will always see the full agreement details and total costs before you commit. This includes the deposit, repayment term, monthly payment amount, APR where applicable and total amount payable.
If you are unsure which equipment best suits your needs, we can help you compare products in plain English. We cannot provide financial advice, but we can help explain the product options available at checkout.
Browse finance-friendly categories
Finance availability varies, but these higher-value categories are common places where spreading the cost may be useful.
Finance FAQs
How do I know if 0% APR finance is available on a product?
Look for interest-free finance messaging on the product page. If a product or basket is eligible, the available finance options will also appear during checkout.
What deposit do I need?
The standard minimum deposit for the V12 Retail Finance options shown on this page is 10%. The exact deposit and agreement details will be confirmed during checkout.
Can I spread the cost for longer than 18 months?
Yes, longer terms including 24, 36 and up to 48 months on selected products may be available via V12 Retail Finance. Longer-term options may not be interest-free, so always check the APR and total amount payable before committing.
Do you offer alternatives if a product does not show the finance banner?
Depending on your basket and eligibility, you may still see checkout options via Shop Pay, Klarna or PayPal Credit. Availability is confirmed during checkout.
Can I finance ex-demo or pre-loved items?
Sometimes. Eligibility can vary by provider, basket value, product category and checkout availability. Contact us if you are unsure about a specific ex-demo or pre-loved item.
Can I add accessories to a finance order?
In many cases, accessories can be added to the same basket as an eligible finance product, but final acceptance depends on checkout eligibility and provider terms.
Are finance applications guaranteed?
No. Finance applications are subject to status, eligibility and affordability checks by the finance provider. Approval is not guaranteed.
Can The SUP Company help me choose the right setup?
Yes. We can help you choose the right board, paddle, wing, foil or eFoil setup for your needs. We cannot provide financial advice, but we can help you compare equipment options before you choose how to pay.
Need help choosing the right setup?
If you would like help choosing equipment, checking which products may be finance-eligible, or comparing a few different setups, our team is here to help.
Finance is subject to status, eligibility, affordability checks and provider terms. Always review the full agreement and total amount payable before committing.