Finance

BoardWise are pleased to offer you the ability to spread your board payments with V12 Retail Finance.

**IMPORTANT - PLEASE READ BELOW**

Will I qualify for credit?

We can only consider your application if:

  • Is 18 or older
  • Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working
  • student in part-time work or in receipt of a disability benefit
  • Has been a resident in the UK for at least 3 years
  • Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
  • Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
  • Has an email address to receive the important information throughout the application process, including their signed credit agreement


Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application). Meeting the criteria does not guarantee acceptance. Goods can only be delivered to your home address. If your application is accepted, the deposit must be paid by credit or debit card. Please note that we may request a proof of identity after your application has been approved and your deposit has been paid.

If you are unsure about your Credit History we recommend you get a FREE report before applying.

How much does this cost?
Our finance plans range from 0% APR to 15.9% APR depending on the duration. We're also flexible with the amount of deposit you pay, provided your deposit is at least 10% of the total value of your purchases. 

How do I apply for finance?
Browse this website and add products to your basket in the normal way, using the Add To Basket button.

When you are happy with the products you have selected, checkout and select V12 Finance as your payment method. At this point you will be given clear instructions that will allow you to complete your finance application. Assuming your application is accepted you'll be able to place your deposit and confirm your order right there. If your finance application is accepted and you pay the deposit, your order will come through to BoardWise and we'll send you the goods.

How do repayments work?
Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don't start repaying your loan until a month after you have received your order.

Cooling-off period
You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact BoardWise and pay for the order via an alternative means (i.e. a credit card). BoardWise will then cancel your credit agreement and V12 will return your deposit. If you don't wish to keep the goods, then you must return your order to BoardWise in the same condition that you received it, at which point BoardWise will cancel the agreement and V12 will return your deposit.

Important Information
Boardwise Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our firm reference number is 655141. Boardwise Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies.

If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.