V12 Retail Finance reviews

No issues what so ever, I was rejected from another finance company with no reason given. V12 accepted me quickly and setting up payments has been a doddle. Everything checks out. I have had no complaints so far so credit where credit is due. 🙏 …

Honestly had the best experience with V12 they have been genuinely amazing! The specialist support team were extremely helpful and genuinely empathetic! Then they gave me the most amazing good will gesture I’ve ever had from any company …

Absolutely appalling, put my account into 6 months arrears when I had never missed a payment. It’s taken 6 months for them to admit it was a mistake. I requested they confirm this in writing, which they eventually did stating I am actually …

Shocking and rude service!!

My partner phoned up to take out a season ticket for his local football club for …

Horrendous! Avoid at all costs. They accepted my request for credit and then took my £500 deposit. By two days later my goods hadn’t been shipped by the vendor. Then without any question they declined that application and kept my money for …

Absolutely terrible company. Horrible customer service. They took a £50 deposit AFTER rejecting my application. I phoned them to make sure the payment would get returned and to make sure they knew the glitch had occurred. The company …

I have a 0% finance plan for my laser eye surgery. They took my direct debit twice this month – rather concerning!! Generic email to say they will try to return the money in 4 days, but just had another email to say this has also failed! Could be very harmful to a lot of people’s credit scores.

They refused to help me as a victim of fraud. My credit score has been affected drastically, and they now ignore my emails and calls. Avoid.

If this offered a 0 rating I would have applied that. Was told it’s a soft credit check when infact it isn’t and has an extremely negative impact on your credit report even when you never miss a single payment. Seems other general lenders …

Shocking company taking double direct debit payments without due authority or care to the customer.
Unable to contact them by telephone very dishonest.

Absolutely Disgusted with these people my brother passed in November January 10th was my payment date I thought it was the 12th I called on the 11th and paid and apologized the lady was really nice asked was I ok to pay did I have enough …

This company should be banned. Total liars, they collect information and not giving any specific reason for declining applications. i don’t understand why retailers using this kind of compan.

Have dealt with V12 on many occasions through financing purchases through retailers and never had a problem with them. There was one time I had to get V12 involved with a retailer that was refusing to give money back for faulty goods, and …

Absolute joke I put information through to see if i could apply but the interest rate was crazy and didn’t continue then they reported me to Cifas and now I have a marker to prevent me applying for any finance and now I have to get that removed. All because they are charging extortionate interest rates.

Flawed application system for people moving home. Absolutely no consideration for circumstances. A poor “tick box” format. Grim service.

If I could put zero stars down I would!!
Absolutely Shocking!!!
Applied for a small loan to purchase a watch and got declined, I then appealed …

I had a good experience with V12 Retail Finance. Paid out two loans and I had no problems with the company.

1 star is generous. Awful awful company. They seem to decline finance left right and centre and have a weird policy in place meaning they can’t tell you why even if your credit is perfect. And the phone operatives are useless as well

1 star is too many. Absolute waste of time applying for credit with this company. I have a great credit record, have never been refused credit in my life, NEVER missed a payment & ALWAYS paid on time or settled my account early. Extremely frustrating.

Worst finance company. They are affiliated with dodgy dealerships and steal peoples money. They are currently being sued by my lawyers

Rubbish company, applied for a small loan to purchase a couple of diamonds and got declined, I then appealed and within seconds it was declined again!!. My credit score shown very good . Just close your company if you not deal the business to people .

If I could put zero stars down I would!!
Absolute joke of a company, applied for a small loan to purchase a couple of golf clubs and got declined, I then appealed and within seconds it was declined …

Used v12 to order a bed and mattress from benson’s. Was faultless and 0% interest. Like I said I cant fault them, just paid it off and the whole process was stress free

If I could give 0 stars I honestly would. Taken payments out of my account 2 days after the balance was settled in full. I then phoned up to make sure that this balance was returned only to have to phone up again because it hadn’t been …

Missed one payment and they literally called about 6 times a day – harassment

NEVER EVER USE THIS COMPANY
VERY RUDE PEOPLE ON THE PHONE
THIS COMPANY SHOULD BANNED FROM PUBLIC

Never had a problem with this work as a retail partner also very helpful staff and easy platform to use and best finance rates from all other companies

I went to sofolgy last month to get a new sofa. I chose the one I wanted and applied for finance, only to be told v12 rejected my application. I have no idea why as my income is higher than average. I have a higher than average credit score …

Simple and easy to apply. I was approved right away. Aslong as your finances are in order and your credit rating is good you will have no issues.

I’ve had at least 5 sports related items such as a bike and turbo trainer on finance with V12. I am still paying for 3 items and have never had an issue. They were good enough to offer me finance, I pay my monthly bills and it works out fine. Very happy to keep buying through V12

Rejected for finance for this season despite having previous finance with them in previous seasons fully settled and never having missed a single payment. There is nothing in my credit report to stop approval and when I questioned their …

First time I’ve used V12 and to be fair their really good, the app is usable I can freely check my balance and make payments as and when. …

I’ve previously had 2 agreements with V12 Finance which were finished smoothly with no missed payments and no hassle on my side. I’ve now applied for another agreement and was declined despite my credit score being higher and my general …

I took out a finance agreement with this company around 2 years ago. The agreement was for 4 years.
However, recently I decided to try and pay this off. …

Below ZERO…. V12 advise customers that your acceptance for finance is very low no matter of your credit score, so people don’t incur to affect they’re good or excellent credit score.

Ethically I’ve always had an issue with finance companies. Excessively high interest rates etc etc, however, my experience with V12 has been great on all three occasions I’ve used them. Staff always available to help regardless of the situation and rates that are pretty reasonable when compared to other companies out there.

Used this company through scan to buy a laptop and they have been pretty silent benefactors except when I needed to change my address for billing purposes (least I thought I had to) but the man was very helpful and said nope it’s all tied …

stay well away from this company. I took a loan with them and paid it off in November, however for some reason it’s still appearing on credit report. it has ruined my credit and borrowing limit. Called Experian been told they have not had …

If I had one question to ask this company it would be…who exactly is your target customer base. …

This is beyond a shadow of a doubt the WORST company I have ever had the misfortune of dealing with. They have ignored complaints, pressured me in to paying more than I can afford, told me that they have listened to complaints calls a …

I don’t even know where to start! I applied for finance couple of times, One application got rejected without an explanation why it got rejected, the other one took three days to approve. The staff are unprofessional and incapable to make …

It is of course par for the course if you get rejected that you give them a negative review but ever wonder if that is your credit score anyway /my experience is that it does what it says and is very efficient . Everything can be done on line including extra payments so yes five stars

We purchased gym equipment and used this company to finance it, the gym equipment is not fit for purpose and my husband suffered injury when using it, we contacted the company FITNESS SUPERSTORE who we purchased the equipment from and they …

I have dealt with company many times before and repaid early. But after making a application with them a few days ago I was told where to go.
They turn anyone down with history or not and with perfect history …

So far not had any problems hubby had finance with v12 previously uncomplicated and now had finance for a new item again no issues with applying and obtaining credit happy with v12 .

I was charged even though you knew my policy was cancelled 42 days prior. Laptops direct were withholding the money. You were fully awear of this along with the fact laptops direct were ignoring your response for the refund. Why I should be …

Loads of people stating you need a bad credit rating to be given credit. This is actually absurd and a fairly petty way of reviewing a company. I have borrowed from V12 about 5 times now and never had any issues. 3 musical instruments and 2 bikes. I have a high credit rating as per credit wise.

Very Very angry. They charge you extra interest deliberately. Sometime they don’t cut your monthly installments so they can add extra interest near your last installments. Sometime even if you pay your amount, they still don’t update their …

Absolutely disgusted in the service I have been provided with so far. £1000 has been wrongly taken by v12 and was promised would be returned by yesterday. This has still not been done. I have no money in my account and bills to pay . I …

I have a good credit score and I wasn’t able to even get a set of golf clubs don’t waste ur time getting a hard search on ur record jokers

Worst finance ever. They took my extra money even though I paid all of my monthly installments. In their system everything is paid but still charged me extra amount. When I messaged them for a refund they kept making excuses. Guys never ever use this finance system. They can scam your money without knowingly.

My older parents wanted to buy some furniture. They’ve never had loans etc so the finance agreement was deferred and they provided the relevant ID. 2 days of hearing nothing, my mother rang the company only to be told that she is not …

You always hear bad reports from finance companies but these guys are fantastic. They’ve bent over backwards to suit my financial situation, the staff over the phone are super polite (this goes such a long way), and as a result I’ve nearly paid off my finance arrangements with them with no issues. Good company!

Applied for credit for £250 over 6months £40+ per month was declined !!! I have plenty of savings my credit score is good with equifax who they use , house is mortgage free , I earn £25k + and still get declined, can’t understand how these …

Refused despite excellent score, income, savings and spotless record. Won’t share the information, leading me to believe that they will only accept applicants who may not easily afford repayments (and perhaps therefore recoup further fees …

Very rude customer service, the customer service staff was not emphatic and not helpful. I was only asking for information (after passing the security) about the agreement and she told me to go back to my vendor! A question could be …

I have a average credit score and had no trouble to get accepted for a loan. I then decided not to go ahead with it within the 14 day cooling off period and I phoned customer service and it was easy to cancel and delt with ease.

Bought a bike from Halfords using V12 – no problems at all. 0% interest over 12 months made it way more affordable than a credit card! At the beginning of the finance period, I had to call to change my monthly repayment date – was done quickly and easily.

Never encountered a company like it

After 6 months of a signed and agreed upon finance agreement ,10 days before …

Just settled an outstanding balance 4 months early, sent me a letter in the post telling me my payment options and full fee inc £29 settlement fee, which really isn’t too bad. Just gave them a quick 2 minute call to settle the fee, no issues, good customer service.

Used this company over 4 occasions . I have always paid in full and on time without fail. I have a good credit rating , yet declined when I tried to use them again . Shocking. No customer loyalty

They answer the phone fast. Something no other company manages these days.

Another cowboy outfit looking to capitalise on the unfortunate. Perfect credit history, never had a missed payment, plenty savings, somehow I can’t afford £43 / month with this shower of ***TS. Seems they don’t want my money as they know I …

Very easy to deal with queries and staff is helpful

My credit rating is fair and I’ve never struggled to get accepted with this company. I’ve got just got a bike out on finance with them on top of something else and I got accepted straight away, and they’re always helpful when you ring them.

Used V12 retail finance a couple of years ago to purchase some alloy wheels and tyres totalling around £1000. Was very easy and quick and fortunately I was able to save money and pay them off a lot quicker than the finance agreement stated. …

Terrible, Hideous company with below ZERO customer skills or care. You will NEVER get an email reply and they will ask you to call and wait over an HOUR for no-one to pick up the phone. And when you email them to call you, they never will. …

Just wanted to share my thoughts, got accepted instantly for 12 months interest free on a rather expensive gift for my fiancee, made 4 months worth of payments and on the 5th month paid off in full via their online portal, no problems at all and no fees! Happy Experience, thank you for all your help!

Messed around regarding finance for a football season ticket. The finance was originally referred for more information. I completed the budjeting sheet they requested and proved I had over £600 spare each month despite the season ticket …

I made an application.(still waiting to for a decision). Terrible service, They aim to waste as much time as possible (instead of making a approval or disapproval). The prolonged process to approve such small financial reviews is unheard …

First class service, quick finance, 2 changes of payment dates to account for a week when i were a bit short. No problem whatsoever. Most efficient and friendly finance company ive ever used, recommended

These are a joke, during this hard time I arranged a payment date with them and a payment holiday. I get harassed on a daily basis emails and txts saying pay your missed payment. I spoke to them, they said sorry but still keep gettting harassed. Like times are not hard enough. Worst company ive delt with.

Really easy and quick approval process when using the automatic application form. Having V12 Retail Finance option was an extremely helpful alternative to paying for products immediately with a debit or credit card.

Terrible Company. Paid Thousands to integrate their system onto our website to offer finance on our products for them to turn round and terminate our account because they no longer deal with Motor Trade. Didn’t mind taking our money though!!! AVOID

So I ordered a desk from Bed Kingdom not only was I accepted for finance I paid a deposit so I checked my account on the retailer and saw its been cancelled and v12 finance are the ones who cancelled it not only that I never had a email to …

I do not fully understand the bad reviews. Perhaps people do not read the finance agreement properly . I have purchased many things though V12 on BINPL ( Buy now pay later ) , their staff have allways been helpful . I will knock off a star …

Very poor customer service, would recommend to avoid this company. Stated I was of work for a few weeks due to surgery they wanted to put me straight to debt recovery even though I had the means to pay and was looking at the most efficient way to do so. Paid the bill and never use these lowlifes again

I always find V12 finance a reasonable company to deal with. I’ve had many finance plans with them via various retailers and genuinely find it hassle free. When I make an application for a larger ticket item in store who confirm they use V12 finance I would always choose this option. Perfect for me and my needs

Applied for finance through Beaverbrooks for a watch, approved with no trouble, credit score was already great, self service portal is nice and easy to use. Will happily use again

Absolutely shocking service. Don’t make things very clear. Charge nearly twice the amount the item is worth. Hide things in terms and conditions. How a big company {AO} can use a shocking service like V12. I don’t know. Catch you out and then trap you down. Be careful if you have to use this company.