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Finance partner

V12 Retail Finance logo

Spread the cost of your purchase and choose terms that suit you. Pay over time on your terms, with our flexible options.

Basic criteria

  • Be over 18 years of age
  • Be a UK resident, with at least 3 years' continual address history
  • Be or your partner is, in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit;
  • Have a UK bank account capable of accepting direct debits
  • Have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if a deposit is applicable to your purchase)
  • Have a valid email address and phone number

Please note that meeting the above criteria does not guarantee finance acceptance.

You will need to complete your finance application online as you will be asked for some sensitive information. Our finance partner will require personal details like your name, address, phone numbers and income. Plus, your bank account and credit or debit card details. They need this information to be sure who's applying in order for the finance company to perform a credit check. To give yourself the best chance of approval, you should always ensure the information you give us is accurate and honest.

The online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason they can't give you an instant decision we'll send you an email the moment the finance company makes a decision.

A full credit check which involves a hard search on your credit file forms part of the automated decision-making process and is part of our lenders responsible lending policy. When your credit application is accepted you may be required to pay a deposit online, using a credit or debit card after which you will then be prompted to electronically sign your finance agreement. This will need to be completed before we process your order.

You have the right to repay all or part of the credit early, at any time.

Registration Transfers Limited trading as Regtransfers.co.uk is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 683825. Registration Transfers 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. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: One Arleston Way, Solihull, B90 4LH. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

V12 Retail Finance is a trading name of Secure Trust Bank PLC. Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: One Arleston Way, Solihull, B90 4LH.

Finance FAQs

Interest free finance example

Up to 18 months 0% APR representative interest free finance *. Spread the cost with our interest free finance available online.

Our simple finance options allow you to spread the cost of your purchase over 12 or 18 months. All you need to do is spend a minimum of £250 and above with no deposit. We offer 2 simple finance options to help you spread the cost of your purchases.

  • 12 months interest free finance on orders of £250 and above
  • 18 months interest free finance on orders of £250 and above

* Interest free finance is only available on selected registrations.

Order Value Term (Months) Monthly Payments
The table shows you how much monthly repayments will be based on the total order value.
£350 12 £29.17
£700 12 £58.34
£1200 18 £66.67
£2000 18 £111.12

Interest bearing finance example

Up to 48 months 19.9% APR representative interest bearing finance. Spread the cost with our interest bearing finance available online and over the phone. Our simple finance options allow you to spread the cost of your purchase over 24, 36 or 48 months.

All you need to do is spend a minimum £250 and above, with no deposit. We offer 3 simple finance options to help you spread the cost of your purchases.

  • 24 months interest bearing finance on orders of £250 and above
  • 36 months interest bearing finance on orders of £250 and above
  • 48 months interest bearing finance on orders of £250 and above
Order Value Term (Months) Monthly Payments
The table shows you how much monthly repayments will be based on the total order value.
£350 24 £17.53
£700 24 £35.05
£1200 36 £43.56
£2000 48 £59.06

Representative example

Cash Price £280.40
Deposit £0.00
Loan Amount £280.40
Annual rate of interest 10.09%
APR Representative 19.92% APR
24 monthly repayments of £14.04
Total Charge for Credit £56.56
Total Amount Payable £336.96

The role of DVLA

Car registrations and number plates, including personalised number plates, in the UK, are the responsibility of the Driver and Vehicle Licensing Agency, usually known as the DVLA. It issues new registrations twice a year and also maintains the central database that records details of all vehicles licensed to drive on UK roads, along with their keeper and registration information.

Regtransfers works closely with DVLA to complete registration transfers as quickly and efficiently as possible. Regtransfers is a DVLA-registered supplier of personal car registrations and number plates and is listed on the DVLA Registrations website. All number plates supplied by Regtransfers comply with DVLA's prescribed standards and regulations.

DVLA administers all UK registration transfers and issues updated registration documents when the registration number of a car is changed, or when a registration is removed from a vehicle and placed on a retention document in accordance with the DVLA Retention Scheme.

DVLA is a registered trade mark of the Driver & Vehicle Licensing Agency. Regtransfers is not affiliated with the DVLA or DVLA Personalised Registrations. Regtransfers is a recognised reseller of unissued Government stock.

Number plate regulations

When a car is on the road, it is an offence to display number plates bearing any number other than the vehicle's officially recorded registration number. If you purchase a private registration, learn how to transfer private plates before displaying the new number.

All registration number plates displayed on UK vehicles must comply with the official number plate regulations. DVLA oversees enforcement of number plates display regulations and maintains a register of approved manufacturers and retailers of vehicle number plates.

Regtransfers is not part of, and is not formally affiliated with DVLA.

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