Our Hire Purchase product helps you look after more of your customers.

At V12 Vehicle Finance, we offer a range of competitive finance options for your customers, including our Prime and Near Prime Hire Purchase (HP) option.

Providing you with the right tools and motor finance products to run your business more effectively and efficiently. Our technology-led approach, using on-line architecture and service delivery, ensures both dealers and their customers can purchase and finance vehicles how, when and where they want.

Hire Purchase for your dealership

We're committed to helping your customers with products that fit their credit profile and enable them to drive away in the car they want with a loan that is suitable to their circumstances. Our interest rates are fixed for the period of the agreement and your customers may not even need a deposit subject to status.

In simple terms...

  • Your customers can borrow between £3,000 and £55,000 for used cars provided the maximum age of the vehicle does not exceed 10 years at the start of the agreement and 15 years at the end of the agreement.
  • Maximum mileage of 125,000 at the beginning of the agreement.
  • To keep things simple we offer traditional Hire Purchase finance from 24 up to 60 months for Prime and Near Prime motor finance customers.
  • We finance petrol, diesel, hybrid and Plug in Hybrid vehicles up to and including 5.0 litres.

Prime with V12 Vehicle Finance

The straightforward solution to used car finance. We can help make your life easier with quick decisions, fast pay outs and a seamlessly integrated service. See for yourself how we can help take your dealership to the next level.


Digital Brochure

Still on the hunt for more info?

Download  our digital brochure to discover how our companies and unique to industry products fit into your business.

 Why choose V12 Vehicle Finance?

Loan bag

Loan to value

With a loan to value of 120%, additional products like warranties, GAP and seat and paint protection, can be added to the loan.

Added JPEG

Added value products

We support the funding of good quality additional products that help your customers enjoy their car confidently without worry.

Minimal fees

Minimal fees

Only one small fee of £10 at the end of contract, which the customer pays. We don't agree in large administration fees that make it harder for the customer to understand the offer.

Rapid payout images

Rapid pay-outs

We don't like to keep our customers waiting. With over 85% of decisions automated, our experienced team speedily underwrite the majority of referred proposals, with over 90% of payout documents turned around very quickly.

Smart technology

Smart end-to-end technology

Our smart technology makes vehicles sales easier with e-sign solutions and an online Customer Self-Service portal.

Soft Search

Soft search facility

The soft credit search will not leave a footprint on your customer's credit profile. We only apply the hard footprint once the loan is paid out.

National sales team

National sales team

We have a friendly and highly trained field team that covers every region throughout the UK to deliver exceptional customer service and support your dealership.

We are competitive

We are competitive

As a bank we can provide competitive rates and attractive commissions.

Our advanced rate-for-risk Near Prime scoring solution and Prime rate card enable you to provide the very best financing terms for all your customers. This means you no longer need to fear losing a customer as we can place the majority of your customers in a vehicle without any major delays to their credit approval decision.

Our partners can help you sell more vehicles, more efficiently

View our auction and technology partners to see how they can help your dealership grow.

View our partners here