V12 Finance is one of the top spread payment providers known for its interest-free long-term plans at several retail outlets.
Not so many of the buy now pay later services allow you to purchase items and spread the payment through months of instalments.
With few like V12 enabling this without charging extra in interest at many of the merchants that accept it at checkout, it has become one of the preferred for many shoppers.
V12 Finance
Max. Amount
£50,000*
Credit Check
Yes
Type
BNPL
Tip: You can use it to finance your purchases with interest ranging from a representative APR of 0% up to 19.9% depending on the type of payment plan provided and the retailer.
The option is common when shopping on many popular online portals and has good coverage at several merchants that operate through their physical stores.
You can use V12 Finance for payment plans ranging from 6 months to as long as 120 months which varies per retailer that supports it.
The platform has different options with the deferred payment credit allowing up to 12 months without interest.
If you want a longer term, there are interest-bearing plans for costs to be spread for more than 12 months and depending on the merchant, you can enjoy instalment payments of up to 120 months.
The APR also varies per merchant and the length of your contract but ranges from 4.9% up to 19.9% representative.
At some of the retailers, you may be offered longer interest-free terms which may also require a down payment, usually from 10% to as high as 50%.
Unless you are shopping at a store walk-in, V12 Finance orders are usually delivered to the address specified at checkout and no support for in-store pick-up is available at most retailers that have online and offline presence.
Because it provides financing for high-ticket purchases, it performs a check to determine your eligibility and while it may have a temporary impact on your credit score, it can also improve it since it reports repayments to the major credit bureaus.
V12 Finance supports payment extension when you are unable to handle active credits due to difficulty hence, use this to avoid any damage to your bureau file and its late penalty fee of £12.
Top Retailers that Accept V12 Finance
Below is a list of companies that use V12 Finance at checkout:
Furniture Shops and Sofa Retailers that Accept V12 Finance
Heal’s
It offers a range of products to achieve good home furnishing including different kinds of sofas, chairs, and other living room items.
Heal’s also accepts V12 Finance for mattress purchases and other times like rugs, lighting, and related accessories but you will need a minimum cart value of £1,000.
DFS
It has one of the largest networks of physical stores when it comes to furniture. With only a minimum cart value of £100 required for V12 online and offline, DFS is a destination worth considering for payment plan purchases.
Danetti
Another destination with a nice collection of furniture and accessories. A minimum cart value of £1,000 is required to use the V12 option at checkout.
Fabb
A popular retail company known for its range of physical furniture outlets spread across cities in the UK. The platform requires a minimum order value of £500.
Maze Living
It is known for its pergolas and accessories, including a range of aluminium furniture products, garden sofas, bar stools, fire pit sets, and others. You will need a purchase value of at least £300.
Ponsford
You can also get good items shopping on this portal including footstools, sofas, ottomans, recliners, rugs, and other products suitable for home and office use. It supports financing online and at store walk-in but a minimum order value of £1,000 is required.
Cotswold
Another brand with not only a robust furniture and homeware collection through its online portal but also, you can access several items when you walk into any of its widespread physical retail centres. You can spread the payments on orders starting from £1,000 when using V12.
Gillies
A popular Scottish brand with stores in cities like Aberdeen, Dingwall, Perth, and others known for its unique furniture collection. Its delivery is within mainland Scotland and requires a minimum order of £1,000 for V12.
Furniture Outlet
This manufacturer is known for its stores in Essex and London and enables UK-wide delivery through its online portal for items like sofas, mattresses, dining sets, and others. You need an order value of £335 for financing.
HomePlus
While its physical stores are spread across Kent, you can purchase its oak and hardwood-made furniture products online with a minimum cart value of £400 required for payment plans.
Taskers
It is a variety retailer with not furniture items but you can also get a range of homeware, fireplaces, and other garden products when shopping on the platform. A cart value of £100 is needed.
Electronic Shops that Accept V12 Finance
AV
This retailer deals majorly in audio products, including a good selection of Hi-Fi systems, speakers, headphones, and accessories.
To complement its offerings, you can also purchase televisions and projectors when shopping on the platform with its furniture section housing a few items like space-efficient products suitable for home office set-up.
You only need a minimum order value of £250 when shopping on the AV.com portal to access the option at checkout.
Reliant
A popular electronic and home appliance retailer with items ranging from TV sets, audio equipment, washers and dryers, dishwashers, freezers, and others.
You can also get cooking equipment, including microwaves, ovens, and air dryers alongside a few furniture items like cupboards, drawers, and others.
Reliant requires a minimum order value of £400 before you can use V12 for financing on the platform.
Marks Electrical
It stocks electronics from top brands like LG, Samsung, Quooker, Dyson, and others with products including those for laundry, home cinema set up, refrigeration, cooking, and others. You may see V12 represented as AppToPay on the platform, both are the same and it requires a cart value of at least £100.
Andertons
It is a popular destination for musicians of all levels, offering a range of musical instruments and accessories. Its items include equipment for guitarists, bassists, drummers, keyboardists, or any other type of musician.
Direct Fireplaces
It retails a range of fireplace products, including gas and electric fires, wood-burning stoves, fireplace surrounds, hearths and back panels, and accessories.
Gear4music
Another good destination for musical equipment. The platform owns and operates the AV.com portal and you can also get guitars, drums, keyboards, pianos, and related items when shopping on its portal with a minimum order of £500 required for Pay by Finance.
Sports and Bike Shops that Accept V12 Finance
Windwave
It is a leading distributor of bicycles and cycling-related products. You can also get accessories shopping on the platform, including jerseys, sunglasses, helmets, and other items.
Go Kayaking
A destination for all things water sports. Specializing in kayaks, canoes, SUPs, and accessories, the platform offers a range of products suited for different skill levels and adventure types.
Tiso
A popular outdoor retailer that offers a range of gear and clothing for various activities such as hiking, climbing, camping, skiing, and more.
Affordable Golf
It is a retailer catering to golf enthusiasts. Its items are a range of golf clubs, including drivers, irons, wedges, and putters, from well-known brands and more budget-friendly options. You can also get a variety of balls, bags, accessories, and apparel, making it a one-stop shop for all golfing needs.
Sorted Racegear
It is a specialized retailer catering to motorsport enthusiasts, providing a wide range of racewear and equipment for various racing disciplines. Its items include helmets, suits, gloves, boots, and accessories among others.
Run&Ride
This platform deals in the sales of bikes, both electric and conventional models suitable for road, mountain, and hybrid adventures. It also sells accessories as well as repair parts.
Golf Gear Direct
This platform also deals in items for gold enthusiasts. It offers a range of products from leading brands, catering to golfers of all skill levels and preferences.
Sigma Sports
This retailer specialises in cycling and triathlon gear with its products including bicycles, components, accessories, clothing, and nutrition.
FitnessSuperstore
It offers a range of cardio machines such as treadmills, exercise bikes, and elliptical trainers, as well as strength training equipment like weight benches, dumbbells, and multi-gyms. You can also purchase on payment plans when you visit any of its physical stores.
CoastWaterSports
It deals in water sports equipment and accessories. They offer a range of products catering to various water-based activities such as sailing, kayaking, paddleboarding, windsurfing, and more.
Jewellers that Accept V12 Finance
GoldSmith
A popular retailer specializing in luxury watches, fine jewellery, and prestige brands. It also has offline stores where you can purchase items if you prefer walk-ins.
To use V12 Finance in purchasing wristwatches, rings, and other jewellery on the platform, your cart must be up to £500 in value.
Beaverbrooks
One of the UK’s leading destinations for luxury watches and diamond jewellery like engagement rings, wedding bands, earrings, necklaces, bracelets, and other pieces.
Hublot
A popular Swiss luxury watchmaker that is known for its timepieces. It has different models catering to varying preferences like the Classic, MP, Novelties, Big Bang, and Shaped uniquely defined by the structures of the dials.
Chisholm Hunter
This is another well-known luxury jeweller and watches retailer offering a range of collections featuring diamonds, gemstones, pearls, and precious metals, including engagement rings, wedding bands, earrings, necklaces, bracelets, and more.
Francis & Gaye Jewellers
The platform requires a minimum cart value of £500 to enjoy payment plan purchases using V12 for items such as watches, pandoras, engagement rings, and other accessories.
The Jewel Hut
Another popular platform for the purchase of designer jewellery and watches. It also offers an option for the customisation of the charm for necklaces, pendants, bracelets, and rings.
Market Cross
This jewellery retailer is known for its locations across the North East of England, including in Durham, Middlesbrough, and Sunderland. It offers nationwide delivery when shopping through its online portal.
Seiko
A popular Japanese watch brand offering a range of timepieces catering to various styles and tastes. It requires an order of a minimum value of £1,000 to use V12 online and at its physical outlet.
Diamond Heaven
This retailer also has physical locations in Birmingham, London, Manchester, Liverpool, Cardiff, Leeds and Glasgow in addition to its robust online collection. Its items include different makes of engagement and wedding rings, necklaces, earrings, and bracelets for men and women.
Watch Of Switzerland
One of the top retailers that accept V12 Finance for jewellery payment plans. It also owns brands that include Mappin and Webb, GoldSmiths, and Mayors with its operations online and also through its widespread physical showrooms.
Other Top Retailers that Accept V12 Finance
Slam69
While it is known for being a top bike shop catering to mountain biking, BMX, and other extreme sports, the website is a good destination for repair parts. It houses items like brakes, steering, suspensions, seats, and others needed to fix damaged bike parts.
Toolden
It is an online retailer that deals in power and hand tools, including accessories for professionals and DIY enthusiasts.
Newquay Camping Shop
A retail store catering to campers and outdoor enthusiasts providing essential supplies such as tents, sleeping bags, camping stoves, cooking utensils, coolers, lanterns, and camping chairs.
Attwoolls Outdoors
The platform also specializes in camping, caravanning, and related equipment. It offers a range of products to cater to outdoor enthusiasts.
Home Leisure Direct
It specialises in gaming and leisure equipment like tables for foosball, air hockey, ping pong, and arcade machines. You can also get home cinema equipment, jukeboxes, dartboards, and other leisure accessories when shopping on the website.
Heatable
This company deals in the sales and installations of boilers, solar panels, and batteries. It has an intuitive online portal that determines the best for your needs based on a series of self-assessment questions.
Complete List of Stores that Accept V12 Finance
You can use the table below to find your preferred retailer as it contains online shops that support payment plans through V12:
STORE | CATEGORY |
|---|---|
3 Peak Cycle | Fitness & Sports |
Affordable Golf | Fitness & Sports |
Andertons Music co. | Electronics |
Attwoolls Outdoors | Camping accessories |
AV | Electronics |
Band Supplies | Electronics |
Beaverbrooks | Jewellery |
Blazing Bike | Fitness & Sports |
Blowers | Jewellery |
Bremont Icons | Jewellery |
Chisholm Hunter. | Jewellery |
Choice Furniture Superstore | Furniture |
CoastWaterSports | Fitness & Sports |
Colf Clearance Online | Fitness & Sports |
Cotswoldco | Furniture |
Danetti | Furniture |
DFS | Furniture |
Diamond Heaven | Jewellery |
Direct Fireplace | Electronics |
Ecycle Direct | Fitness & Sports |
Fabb Furnitures | Furniture |
FatStick Boards | Fitness & Sports |
Firstfurniture | Furniture |
Fishpools | Furniture |
FitnessSuperstore | Fitness & Sports |
Flooring Resolution | Furniture |
Francis&Gaye jewellers | Jewellery |
Furniture world | Furniture |
FurnitureOutlet | Furniture |
GAK-guitars | Electronics |
Gear4music | Electronics |
Gillies | Furniture |
Go Kayatking | Fitness & Sports |
GoldSmith | Jewellery |
Golf Gear Direct | Fitness & Sports |
Heal's | Furniture |
Heatable | Tools |
Home Leisure Direct | Fitness & Sports |
Homeplus Furniture | Furniture |
Hublot | Jewellery |
Leisure Lakes Bikes | Fitness & Sports |
Les's Cycle | Fitness & Sports |
Loupe | Jewellery |
Mappin and Webb | Jewellery |
Market Cross Jewellers | Jewellery |
Marks Electricals | Electronics |
Maze Living | Furniture |
Newquay Camping & Leisure | Camping accessories |
Ponsford | Furniture |
Quality diamonds | Jewellery |
Reliant | Electronics |
Run&Ride | Fitness & Sports |
Sacet | Jewellery |
Seiko | Jewellery |
Sigma Sports | Fitness & Sports |
Slam69 | Fitness & Sports |
Smithstherink | Furniture |
Sofa Club | Furniture |
Solent Cycles | Fitness & Sports |
Sorted Racegear | Fitness & Sports |
Taskers | Furniture |
Terence lett | Jewellery |
Thatto Cycles | Fitness & Sports |
The BBQ Shop | Electronics |
The Gas Centre | Electronics |
Thejewelhut | Jewellery |
Tiso | Fitness & Sports |
Toolden | Tools |
Watch Of Switzerland | Jewellery |
Wheelbase | Fitness & Sports |
Whyte Bike | Fitness & Sports |
Windwave | Fitness & Sports |
With several retailers accepting it when shopping online and at their physical stores, V12 Finance is a good option when you need an instalment provider for its long-term interest-free plans.
However, note that late payment will cost an extra penalty fee and impact your credit score as the platform reports to the bureaus hence, use it responsibly.
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