Our finance company (V12 Retail Finance Limited) will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

In order to apply for credit, you must:

  • Be at least 18 years of age
  • Be either employed more than 16 hours per week, self-employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance
  • Have been a UK resident for 12 months or more
  • Be able to make repayments by direct debit
  • Provide your previous address if you have lived at your current address for less than 3 years

Credit subject to status

Written quotations on request.

All online finance purchases cannot be collected in store as to comply with V12 finance terms we have to deliver them to the agreement address.

Mike Vaughan Ltd acts as a credit broker not the lender and only offers credit products from Secure Trust Bank Plc trading as V12 Retail Finance. Mike Vaughan Ltd is authorised and regulated by the Financial Conduct Authority under FRN 817206. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. Credit provided subject to age and status. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out.

Consumer credit services are only available to over 18s and subject to status. Minimum spend applied.

V12 Credit is provided by V12 Retail Finance Limited, a trading name of Secure Trust Bank Plc which is registered in England and Wales: 541132. Registered Office: V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH. Authorised by Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with registration number 204550. For more information please visit