Online Credit Facilities

Our payment plan options

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 36 months. The value of the loan needs to be over £250 and no more than £10000. You can choose a deposit of up to 50% of the value of the goods.

Some finance options will not be available across all products or combinations of product in our website. Add items to your shopping cart and visit the checkout to see what options will be made available to you.

All products in our website are available to purchase via finance.
Available finance packages may not be available equally on all products, for example, as our special offers are already discounted, we might not offer our best finance package where special offer products are selected.
Selecting multiple products may alter the finance package we can offer you and you should note that although a particular finance package is offered when viewing a specific product, it may not be offered when you select additional items.
The best finance package we can offer will be displayed when you review your shopping cart.

Interest Free Finance (10 Months) on some orders over £700.00. Deposit required: 10% minimum.
Interest Free Finance (6 Months) on some orders over £600.00. Deposit required: 10% minimum.
Classic Credit 36 Months 4.9% on some orders over £500.00. Deposit required: 20% minimum.
Classic Credit 24 Months 4.9% on some orders over £500.00. Deposit required: 10% minimum.
Classic Credit 18 months 4.9% on some orders over £400.00. Deposit required: 10% minimum.
Classic Credit 12 months 4.9% on some orders over £400.00. Deposit required: 10% minimum.
Classic Credit 36 Months 15.9% on some orders over £300.00. Deposit required: 15% minimum.
Classic Credit 24 Months 15.9% on some orders over £300.00. Deposit required: 15% minimum.
Classic Credit 12 Months 15.9% on some orders over £300.00. Deposit required: 15% minimum.

Representative example

Cash price £2000.00, Deposit £200.00. Total amount of credit £1800.00 over 10 months with an annual interest rate of 0% (Fixed). Monthly repayments will be £180.00 with a total repayable of £2000.00. 0% APR representative.

The above representative example shows the finance information that we expect to apply to more than half of accepted applications for a specific amount and repayment term.

The representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.

Whilst these numbers are there to help you understand what a loan will cost you, it is important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you do not keep up with your payments.

Representative example

Cash price £2000.00, Deposit £400.00. Total amount of credit £1600.00 over 36 months with an annual interest rate of 4.9% (Fixed). Monthly repayments will be £47.81 with a total repayable of £2121.16. 4.9% APR representative.

Representative example

Cash price £2000.00, Deposit £300.00. Total amount of credit £1700.00 over 36 months with an annual interest rate of 15.9% (Fixed). Monthly repayments will be £58.81 with a total repayable of £2417.16. 15.9% APR representative.

Finance Illustrations

The following is provided to illustrate how finance figures will be displayed against products where finance via checkout is available on our website. Finance Illustrations are shown for a goods total value of £2000.00

	Interest Free Finance (10 Months) (Minimum goods total £700.00)
Goods Total	£2000.00
Minimum Deposit	10%
Deposit Total	£200.00
Loan	£1800.00
Duration (Months)	10
10 Monthly Payments of	£180.00*
Cost of Credit	£0.00
Rate of Interest (fixed)	0%
Representative APR	0% APR Representative
Total Amount Payable	£2000.00

	Classic Credit 36 Months 4.9% (Minimum goods total £500.00)
Goods Total	£2000.00
Minimum Deposit	20%
Deposit Total	£400.00
Loan	£1600.00
Duration (Months)	36
36 Monthly Payments of	£47.81*
Cost of Credit	£121.16
Rate of Interest (fixed)	4.9%
Representative APR	4.9% APR Representative
Total Amount Payable	£2121.16

	Classic Credit 36 Months 15.9% (Minimum goods total £300.00)
Goods Total	£2000.00
Minimum Deposit	15%
Deposit Total	£300.00
Loan	£1700.00
Duration (Months)	36
36 Monthly Payments of	£58.81*
Cost of Credit	£417.16
Rate of Interest (fixed)	15.9%
Representative APR	15.9% APR Representative
Total Amount Payable	£2417.16

*Final payment may be slightly higher or lower than quoted: this will be made clear in your loan documents prior to you signing the agreement

Finance is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: Yorke House, Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised and regulated by the Financial Conduct Authority (FRN 204550). For more information please visit www.v12retailfinance.com.

Credit subject to status, UK only 18+

Missed or late payments will result in fees and additional interest on your loan and can also affect your credit file and your ability to obtain credit in the future.

v12Finance is the trading name of Secure Trust Bank Plc, which acts as a credit broker, not a lender.

Legal Information (FCA Disclaimer)

0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.

Cyclelane is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, (FRN ). We do not charge you for credit broking services.

Credit subject to status, UK only 18+

Missed or late payments will result in fees and additional interest on your loan and can also affect your credit file and your ability to obtain credit in the future.

v12Finance is the trading name of Secure Trust Bank Plc, which acts as a credit broker, not a lender.

We will introduce you exclusively to v12Finance products provided by v12Finance through the v12Finance platform.