Finance

V12 Retail Finance

• Do you offer finance?
We now offer finance for customers who are over 18 years old, have lived in the UK for at least three years and are placing an order to a total value of £500 or more. For more information on click ... See more
• How long will it take to apply?
The V12 application form takes less than 5 minutes to complete, and you will get an instant answer on whether your application for finance has been successful. In some cases, V12 Retail Finance wil... See more
• Are there any fees or charges to pay?
  Fees may be payable to V12 Retail Finance in line with the terms of your credit agreement if you fail to maintain your repayments. Fees and charges may include late payment fees and failed direct... See more
• I want to amend my order, am I able to do this?
If you have been approved for finance, the term cannot be amended but we may be able to amend the loan amount, however, please note you may not be accepted for a higher amount. You will need to co... See more
• I want to return my goods and cancel my finance agreement, am I able to do this?
Please see the returns and cancellations section of our terms and conditions https://www.nkuku.com/policies/refund-policy. Some products cannot be cancelled, for example, made-to-order or bespoke g... See more
• I haven't received my goods or service, what do I do?
  Please contact us via the contact form at www.nkuku.com/contactus or on 0333 240 0155 quoting your name and order number and a member of our team will support you.  See more
• Can I request delivery to an address other than my home address?
  In order to safeguard against fraudulent applications, we are only able to deliver goods to the address stated on your finance application. See more
• Need to make a complaint?
Complaints On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us or the service you have received... See more
• What can I do if I can’t reach an agreement on my complaint?
  If you are not satisfied with V12’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them wit... See more
• Can I withdraw from the credit agreement and pay by a different method?
  You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on wh... See more
• What happens to my loan if I am not satisfied with my order, or my order is damaged, or I want to return part or all of my order?
  If you are not satisfied with your purchase in line with your statutory rights under the Consumer Rights Act, you can return it to us up to 30 days after delivery. In these instances, we will che... See more
• I want to change my Direct Debit details for my finance agreement, how do I do this?
  Please contact a member of the V12’s Customer Services Team on 029 2046 8900 or via email on customerservices@v12finance.com who will be able to deal with this request. You can also update your D... See more
• When do my loan repayments start?
  Your loan repayments will be to V12 Retail Finance and will start approximately 30 days after your goods have been delivered. See more
• How do I make my monthly payments?
During the V12 application process you will confirm your bank details for your repayments to be collected via direct debit. You can also make overpayments by contacting V12 directly or via your V12... See more
• Who should I contact if I have a question about my loan?
For any questions about your loan, such as your Direct Debit or updating your personal details, please contact V12 Retail Finance. Their contact details will be provided throughout your application... See more
• If my application is not successful, can I re-apply?
  Yes.   At V12 we acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do s... See more
• What happens if my application is declined?
  Applications may not be accepted for a number of reasons, including mis-typed information, or not meeting the specified requirements. Please note that other conditions may apply and we cannot gua... See more
• What do I need to apply?
  All you need to do is select the products you wish to purchase, choose finance as your payment method at checkout, select your desired finance product and whether you want to place a deposit and ... See more
• What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for in... See more
• Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scori... See more
• What does it mean when I see APR and Rate of Interest?
The 'rate of interest' is the cost you will pay each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost ... See more
• Who is eligible to apply for finance?
Finance is available on loans over £500 and no more than £15,000 and you can choose a deposit of up to 50% of the value of the goods. This amount includes any additional services and delivery optio... See more