The Secure Trust Bank Stock Funding Reference Rate was established from 1 December 2024 and is used for pricing Interest for our V12 Vehicle Finance Stock Funding product only. This rate is determined at the sole discretion of Secure Trust Bank to take account of its obtaining of funds and may vary at any time and from time to time.

Prior to the 1 December 2024 the Secure Trust Bank Commercial Lending Reference Rate was used for pricing Interest for our V12 Vehicle Finance Stock Funding product. Historic rates for the Secure Trust Bank Commercial Lending Reference Rate can be accessed from the link below.

Percentage Effective from
6.35% 1 December 2024

For our historical Commercial Lending Reference Rates, click here.

V12VF News

Important business announcement about Vehicle Finance lending

Following a review of our businesses, we have decided to stop new Vehicle Finance lending under the Moneyway and V12 Vehicle Finance brands. All other businesses which are part of Secure Trust Bank Group are unaffected and continue to operate as normal.

Customers

If you have an existing finance agreement with us, don't worry, you are not affected. Your agreement will continue as normal.  Supporting our customers continues to be a key priority for us and you can continue to contact us via the usual channels.

Dealers

We are in the process of contacting all our dealers to explain what this means for you and what steps will be taken. Supporting our dealers continues to be a key priority for us and you can continue to contact us via the usual channels.

 

A blue background with writing on the left hand side which says 'Used car market trends: What dealers need to know for summer'. On the right hand side is a dealer looking into the window of a car. The V12 Stock Funding logo is in the bottom left of the image.

Used car market trends: What dealers need to know for summer 2025

Summer 2025 is shaping up to be a strong season for dealers who stay ahead.  

Orange car in the foreground with a woman to the right of the background slightly behind the car. The words 'Debunking the Myths of Stock Funding' are on a navy blue rectangle box over the front of the car.

Debunking the Myths of Stock Funding

When it comes to Stock Funding, misconceptions often deter car dealers from exploring the benefits it offers. 

5 Years Strong campaign image

Celebrating Five Years of Growing Dealers: V12 Vehicle Finance's Journey in Stock Funding

As we celebrate our fifth year of providing Stock Funding solutions, it is essential to reflect on the journey that has brought us here and the vision that propels us forward.