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Spread the cost of your order into affordable monthly amounts.

If your basket total equates to £250 or more you're entitled to finance. With Sprockets, applying for finance is simple with the option of flexible or no deposit - and you'll know if you qualify within a few moments of applying. It takes four quick and easy steps to apply to buy on finance and break your costs down into more affordable monthly payments.


Step 1

Choose Your Items

All orders over £250 are eligible for finance


Step 2

Select Finance

Choose your deposit and Terms at Checkout


Step 3

A Decision is Made

Typically within a few moments


Step 4

Arrange Delivery

When your application is approved

Loan Calculator
Use this calculator to see which finance option suits your purchase.
Finance is subject to status. Terms and conditions apply.
Total amount repayable . APR representative.


Am I eligible for finance?

To qualify, your basket total must equate £250 or more, you must be 18 or over, be a permanent UK resident and be in regular employment or be able to supply information that proves a stable income.

How long does it take for my application to be approved?

In most cases it takes a few moments for your application to be approved. If V12 need more information they will call you promptly, however this is very rare.

What happens when my application is approved?

Once approved, you will be able to sign your credit agreement electronically using V12's eSign process. You will be given the option to download a copy of your credit agreement at this point and print a copy for your records. Once you have eSigned your agreement we can dispatch the goods to you. There is no paper work to return to us or to V12.

Is no deposit finance available?

No deposit finance (£0) is available on all options.

Can I pay my finance off early?

You can always pay your finance off early with no charge by calling V12 on 02920 468 900.

Credit is subject to status and available to permanent UK residents only. V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Offices: One Arleston Way, Solihull, B90 4LH. Authorised by Prudential Regulations Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The retailer is Sprockets Limited. Written terms are available on request.



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