Zero Deposit, Zero Interest for 12 Months

Take advantage of 0% APR on purchases over £250 (excluding the purchase of Gift Cards), with absolutely no deposit to pay on your purchases online or in store. Subject to application, Financial Circumstances and borrowing history. Eligibility criteria applies. “American Golf (Trading) Limited as a credit broker not a lender, and will introduce you to V12 Retail Finance Limited to complete your application for finance. Subject to status and affordability. Terms and conditions apply.

Interest Free Credit Available Online & Instore

How To Purchase on Finance

Zero Deposit, Zero Interest for 12 Months

Choose Product & Add to Basket

Add everything to your basket and checkout

Zero Deposit, Zero Interest for 12 Months

Pick your desired finance Term

Choose V12 Finance as Payment Method curing during checkout

Zero Deposit, Zero Interest for 12 Months

Complete Application

Complete the application on the secure server

Zero Deposit, Zero Interest for 12 Months

Confirm Order

V12 Finance will process your application and complete checkout if you are approved

Or simply go Instore and speak to one of our Collegues about Finance Options

Interest Free Finance Example

Get 6 months interest free credit

Spend over £250

Garmin Approach S60 GPS Watch


All yours for just


per month with our 6 month interest free credit payment options.

Get 12 months interest free credit

Spend over £500

TaylorMade Stealth Driver


TaylorMade Stealth Fairway


TaylorMade Stealth Hybrid




All yours for just


per month with our 12 month interest free credit payment options.

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Golf Clubs












Once my application is approved, what happens next?

Once your finance application has been accepted, you are required to read and sign your loan agreement documents electronically.
Once the documents are signed, the order is complete and your goods will be ready to deliver.

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 scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, V12 Finance also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though V12 Finance are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18

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 instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:
● Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
● Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
● Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ
The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

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

Who is eligible to apply for online finance?

To apply for finance, you must be over the age of 18 and be a permanent UK resident for at least 3 years. You must also be either in regular, permanent employment working a minimum of 16 hours per week (including students), retired from regular employment, not working through a disability, or self-employed. Homemakers aren't excluded from applying under their own names; however V12 Finance will require the employment details of your spouse in order to process your application.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, V12 Finance regret that they're able only to deliver goods to the home address of the applicant.

Terms & Conditions

All finance agreements are a contract between you “the customer” and V12 finance.
To apply for finance you must be:

  • At least 18 years old.
  • A permanent UK resident.
  • In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
  • In receipt of a pension if you are retired.
  • Able to confirm sufficient income if you are registered disabled.
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