You choose the shape of your repayments.

Available on total spend over 399.

from 0% APR

Four Flexible Finance plans available
starting from 0% APR

Quick application process
usually approved in less than 20 seconds!

Finance is available in conjunction with
all other discounts and voucher codes.

Flexible Finance

We've all been there; you've got your eye on that sleek new road bike or shiny socket set, but your bank balance has other ideas. We have a number of simple payment options to help you spread the cost of your purchase, available on any order when you spend 399 or more with us.

Applying is quick and simple - just follow the simple steps below and you're all set! Flexible Finance can be used in conjunction with all other discounts and voucher codes, and finance is calculated after discounts have been applied.

How to Apply

Please Note

In some cases the lender may need to look into your application in more detail and will return the decision as 'referred'. If this is the case you will receive an email with further instructions once the Credit Underwriting Team have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. The Credit Underwriting Department hours are between 8am and 8pm, Monday to Friday 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

Example Payments

Eligibility Requirements

You'll need to be a
UK resident.

You need to be atleast
18 years of age.

Montly repayments are needed
by Direct Debit.

You must be in proven
regular employment.

You'll need a bank account
in your name.

Terms & Conditions

Finance Terms and Conditions

Credit is subject to status. Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Eligibility and conditions apply. Halfords Limited acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority. Financial Services Register number: 204550. Halfords Limited, B98 0DE.


Finance is available on specified orders with a minimum loan amount of 399 and is subject to your status, please note that acceptance for finance is not guaranteed; see Eligibility for Finance.


Finance is provided through our external partner, V12 Retail Finance Limited ("V12"). If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12's parent company and which will be administered by V12.


V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.



Eligibility for Finance

You'll need to be:


  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted.


*If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of income.


If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.



If your application is declined

If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it may be for one of the following reasons:


  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.

If you wish to appeal the decision made by V12 Retail Finance, it's advised you obtain an up to date copy of your credit report before appealing directly to V12 Retail Finance. Due to data protection, all customer appeals must be via email to underwriting@v12finance.com or for more advice, call V12 Retail Finance on 02920 468916


Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).