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V12 Retail Finance Limited Reviews 

42,849
•
TrustScore 5 out of 5

4.8

Financial Institution
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Review summary

Created with AI, based on recent reviews

Evaluating 10,697 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently found the application process exceptionally easy, quick, and straightforward, often completing it with minimal effort. Many people appreciated the almost instant decisions and rapid approvals, making the overall user experience smooth and efficient. Consumers frequently highlighted the excellent flexibility with payment options and clear, understandable terms, allowing requirements to be tailored easily. The service is often described as professional, helpful, and attentive, with staff effectively keeping customers informed. Many also appreciated the availability of interest-free credit, which made purchases more accessible and contributed to a stress-free experience.

What people talk about most

User experience

Clients share positive opinions on user experience, consistently describing it as stress-free, simple, and... See more

Service

Users describe positive interactions with service, highlighting its professionalism, efficiency, and ease of... See more

Payment

Customers had positive experiences with payment, highlighting the ease and speed of the application process... See more

Staff

Reviewers mention positive feedback about staff, consistently praising their professionalism, helpfulness,... See more

Response time

People report positive experiences with response times, highlighting the quick and efficient service... See more

Reviews shaping this summary

Rated 5 out of 5 stars

From start to finish the application on V12 took less than half an hour. It was easy to understand and complete, with a decision made almost instantly. When all is over and done with there is an app... See more

Rated 5 out of 5 stars

I didn't have great service experience before possibly due my credit score but it looks great for now. I was filling up my finance application twice recently online. I didn't expect much from it beca... See more

Rated 5 out of 5 stars

It was a simple quick and easy process as long as you have the means to pay and a good credit history the process for me was completed within seconds. A good option as opposed to Klarna etc paying int... See more

Rated 5 out of 5 stars

The one to think about here is that a deep search goes on your credit score, no different to any other creditor. That aside the application process is really user friendly, position gets saved throug... See more

Company details

  1. Financial Institution

Written by the company

At V12 Retail Finance it's all about you. We're here to give you ways to pay for the things you love. Our range of finance helps you spread the cost.

Contact info

4.8

Excellent

TrustScore 5 out of 5

43K reviews

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4.8

All reviews

(42,849)

10,174 reviews in the last 12 months

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Rated 5 out of 5 stars

Very good process, felt safe!

It was a simple quick and easy process as long as you have the means to pay and a good credit history the process for me was completed within seconds. A good option as opposed to Klarna etc paying interest free over 10 months is always a winner for anything over a Thousand£.

28 July 2026
Rated 3 out of 5 stars

Had to wait for bed frames to be…

Had to wait for bed frames to be diverted. Then had to wait over a week for mattresses to be delivered, not ideal. Delivery guys were very helpful.

1 July 2026
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Reply from V12 Retail Finance Limited

Thanks for taking the time to post a review.

We're sorry to hear about your recent experience with the retailer. As the finance provider we always aim to offer the best possible service.

We hope you found our application process simple and straightforward.

We’re delighted to have you as a customer, and we’ll do all we can to ensure you have a great experience with us.

Team V12 Retail Finance

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