Spread the cost of the right watersports setup
V12 Retail Finance offers 0% APR interest-free options on qualifying watersports equipment, subject to status and approval. Consider the repayments and total cost before choosing a payment option.
The 6, 10, 12 and 18-month interest-free finance offers and the longer-term credit options listed in the V12 section below relate exclusively to V12 Retail Finance. Other payment providers have separate terms, eligibility criteria and agreements; V12 rates, deposits and repayment periods do not apply to them.
Quick overview
Compare the available payment options and choose repayments you can afford. Availability depends on your basket, eligibility and the individual provider.
Interest-free options
V12 0% APR finance on qualifying items
V12 Retail Finance 0% APR options may be available on qualifying products across our website and in our stores, subject to eligibility, basket value and V12 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
See the separate provider sections below for payment information and applicable disclosures. Each provider has its own terms.
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: V12 0% APR finance is available on qualifying items over £295, subject to status and approval. Final eligibility, available V12 terms and full agreement details are confirmed during the application.
Shop Pay, Klarna and PayPal Credit
These payment services are separate from V12 Retail Finance. Each has its own eligibility criteria and terms. The V12 offers above do not describe the terms of these services.
Shop Pay and Shop Pay Installments
Shop Pay is an accelerated checkout service that can be used to pay in full. Shop Pay Installments is a separate credit option offered in partnership with Affirm.
Buy today, pay over time with Shop Pay Installments.
Shop Pay Installments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit is required at checkout. Missed payments could affect your financial status.
Available payment plans and full terms are shown at checkout. V12's 18-month offer, deposit requirements and interest-bearing plans do not apply to Shop Pay Installments.
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
Accessories may be added to the same basket as other equipment. Available payment options depend on the basket and each provider's eligibility criteria.
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
Credit products and their regulatory treatment differ by provider and agreement. Review the relevant provider's terms and disclosures above. Applications are subject to the provider's eligibility and creditworthiness checks; approval is not guaranteed.
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 V12 Retail Finance messaging on the product page. If a product or basket qualifies, the available V12 options will appear during checkout. The 6–18-month interest-free offers listed in the V12 section apply only to V12.
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?
Other payment options may be displayed at checkout. Please read the separate provider sections above and check the terms of the option you select.
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.
Shop Pay Installments legal information
Credit is offered by Shopify International Ltd. (FRN: 1031087) in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorized and regulated by the Financial Conduct Authority (FRN: 756087). Affirm's company number is 10199101 and its registered office is at C/O TMF Group, 1 Angel Court, 13th Floor, London, EC2R 7HJ.