Anybody can use our flexible finance options, as long as they meet the following criteria; - Be at least 18 years of age - Have been a UK resident for 3 years or more - Be able to make repayments by direct debit - Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment.) If you meet the criteria, then there will be a full credit check upon application to assess further.

Our online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we can't give you an instant decision, you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

Yes. A credit check forms part of the automated decision making process. You will be notified at which point during the application process the credit check will take place.

Yes. V12 acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that they will automatically turn down a further request. V12 do suggest however, that you leave at least 6 months between applications.

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 which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.

Returns for goods purchased through finance are handled exactly the same as any other order. Simply notify us of your cancellation request via our online form and we will process the cancellation within 3-5 days - any payments you have made will be automatically refunded.

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call V12 Retail Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.

Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Retail Finance for details of the process by phone, e-mail or letter at the following: Telephone: 029 2046 8900 Email: customerservices@v12finance.com Address: V12 Retail Finance Limited 25-26 Neptune Court Vanguard Way Cardiff CF24 5PJ.

Unfortunately, we do not offer sale bikes with 0% APR finance at the moment, although we do occasionally run limited-time offers in which this may become available.

Finance is available on selected products ordered through our website, provided by V12 Retail Finance. The finance offers available are product specific and are displayed on eligible products. When you proceed with your order, simply choose V12 Retail Finance at the checkout and you will be redirected to the V12 website to complete your application. If you have any questions or problems with your application you can contact V12 Retail Finance. If your application is successful, your order will be confirmed to Giant - we will contact you by email to let you know your order is proceeding. If your application is unsuccessful, V12 Retail Finance will inform you and your order will be automatically cancelled.

You don't make any payments until you have collected your items. Your first payment is approximately 30 days from the point of acceptance, but dependent on when you collect your items. For first payment date details please refer to your credit agreement, online V12 portal or contact V12 Retail Finance directly.

Yes - the minimum deposit is 10% of the product value, however you can enter any deposit you wish up to 50%. This can be entered at the checkout stage once you've added the bike to your basket.

Applications and the final decision are dealt with solely by V12 Retail Finance, so we are unable to provide any information on specific cases or reasons for being declined. If you wish to discuss this further, please contact V12 Retail Finance directly.

For fraud prevention and security reasons, we ask that you bring a copy of your credit agreement (an online copy is acceptable), Passport or Drivers licence, a utility bill with the same address as the order (no less than 3 months old) and the card you used to place the deposit (the last 4 digits need to match).

Unfortunately not, for fraud prevention and security reasons we can only hand over the bike to the person with the credit agreement and passes the identification checks.