Finance Options


10 months interest free finance is available online and in-store with a 30% deposit* on purchases over £1000

*subject to conditions & satisfactory checks and for a period of 10 months only.

0% APR representative finance is available for purchases in excess of £1,000. If you wish to take advantage of our finance options, please speak to one of our advisers in store or use the live chat feature online. If you wish to purchase via finance but do not wish to purchase online, come and see us in store.

For online orders the 30% deposit is taken at at point of purchase either by credit or debit card as part of your application process with V12.

In-store applications conducted with one of our sales people will be sent via a link to a hand held device which can be signed at point of sale or at home for you to complete. 

Finance is offered by V12 Retail Finance, Ponsford Ltd act as the credit broker and not the lender.

Representative example

*The approval of your application depends on your financial circumstances and borrowing history.

Order amount £2000.00
30% deposit £600.00
Finance period 10 months
Representative APR 0% APR
Rate of interest 0% p.a
Total amount of credit £1400.00
10 monthly payments £140.00
Total amount payable £1400.00


• 24, 36 and 48 month options available 
• 9.9% Typical APR
Available on Orders above £1350
• Minimum 30% Deposit
• Maximum 50% Deposit

Available on orders where products amount to over £1350.

9.9% finance options will only be offered where the loan amount is over £1350. 

Representative example

36 months at 9.9% APR

Order amount £3000.00
30% deposit £900.00
Finance period 36 months
Total amount of credit £2100.10
Amount of Interest £207.90
36 monthly payments £67.25
Total amount payable £2420.89

Who can apply?

Applicants must be 18 years of age or over on application date

A permanent UK resident for 3 years or more.

Fulfill one of the following employment criteria: in regular, permanent employment for at least 16 hours a week, retired from regular employment, not working through disability, self-employed.

NB: Credit is offered subject to application, financial circumstances and borrowing history. Ponsford Ltd act as the credit broker and not the lender.

Can I cancel my finance?

You can cancel your finance agreement before taking delivery of your goods but please be aware that this does not cancel your actual order with Ponsford and full payment will be needed before you take receipt of your goods.

If you’ve decided to cancel your finance agreement, please let us know as soon as possible by sending an email to stating your customer order number or calling us on 01142550075 and asking to speak to a member of the accounts team.

Further Information

Ponsford Limited acts as a broker and not the lender and only offers finance from Secure Trust Bank PLC T/A V12 Retail Finance. Ponsford Limited is authorised and regulated by the Financial Conduct Authority, Registration Number 715908. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. 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. Subject to age, status and affordability, minimum spend applies.

Ponsford Ltd, 577-609 London Road, Sheffield, S2 4HS (Company Registration Number: 318991) act as a credit broker and not the lender.