V12 Retail Finance is one of the UK’s specialist providers of Retail Point of Sale Credit, providing finance to customers of our retail partners for over 20 years through our industry leading online paperless processing system. We were the first finance company to launch an online credit application processing system in 1999 and we have built on our experience to have the most advanced, market leading multi-channel credit application processing system in the UK. Our intuitive process, utilising online contract execution with electronic signatures makes us the best all round system in the country.