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Online Credit Facilities

Our payment plan options

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 36 months. The value of the loan needs to be over £250 and no more than £15000. You can choose a deposit of up to 50% of the value of the goods.

Some finance options will not be available across all products or combinations of product in our website. Add items to your shopping cart and visit the checkout to see what options will be made available to you.

All products in our website are available to purchase via finance.
Available finance packages may not be available equally on all products, for example, as our special offers are already discounted, we might not offer our best finance package where special offer products are selected.
Selecting multiple products may alter the finance package we can offer you and you should note that although a particular finance package is offered when viewing a specific product, it may not be offered when you select additional items that qualify differently.
The best finance package we can offer will be displayed when you review your shopping cart.
  • Interest Free Finance (36 Months) on some orders over £2500.00, 10% minimum deposit required.
  • Interest Free Finance (24 Months) on some orders over £2000.00, 10% minimum deposit required.
  • Interest Free Finance (18 Months) on some orders over £1000.00, 10% minimum deposit required.
  • Interest Free Finance (12 Months) on some orders over £699.00, 10% minimum deposit required.
  • Interest Free Finance (10 Months) on some orders over £599.00, 10% minimum deposit required.
  • Interest Free Finance (6 Months) on some orders over £450.00, 10% minimum deposit required.
  • Classic Credit 36 Months 4.9% on some orders over £2000.00, 5% minimum deposit required.
  • Classic Credit 24 Months 4.9% on some orders over £650.00, 5% minimum deposit required.
  • Classic Credit 18 months 4.9% on some orders over £550.00, 5% minimum deposit required.
  • Classic Credit 12 months 4.9% on some orders over £450.00, 5% minimum deposit required.

Representative Example

Representative Examples are shown for a purchase price of £1000.00
Interest Free Finance (18 Months)
(Minimum goods total £1000.00)
Goods Total£1000.00
Minimum Deposit10%
Deposit Total£100.00
Loan£900.00
Annual rate of Interest0% fixed
Duration (Months)18
18 Monthly Payments of£50.00*
Total Amount Payable£1000.00
Cost of Credit£0.00
Representative APR0% APR Representative
Classic Credit 36 Months 4.9%
(Minimum goods total £1000.00)
Goods Total£1000.00
Minimum Deposit5%
Deposit Total£50.00
Loan£950.00
Annual rate of Interest4.9% fixed
Duration (Months)36
36 Monthly Payments of£28.38*
Total Amount Payable£1071.68
Cost of Credit£71.68
Representative APR4.9% APR Representative
Consumer credit services are only available to over 18s and subject to status.

Credit is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. 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 www.v12retailfinance.com.
Credit subject to status. 18+ UK residents only.

Credit is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. 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 www.v12retailfinance.com.

Cliff Pratt Cycles is authorised and regulated by the Financial Conduct Authority, register number 499991.
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