V12 Finance (V12 Retail Finance / V12 Vehicle Finance)

Overview

V12 Finance is a UK-origin retail and vehicle finance brand operating under the V12 group of trading names (including V12 Retail Finance, V12 Personal Finance and V12 Vehicle Finance). The brand delivers point-of-sale consumer credit, personal loans and dealer stock funding solutions for retailers and car dealerships.

Brand origin and company

V12 Retail Finance Limited (registered in England & Wales) is the originating company behind the V12 brand; it operates as a credit broker and trading name in concert with Secure Trust Bank Plc. The brand was developed in the United Kingdom and has been built around point-of-sale retail finance and motor finance products.

Ownership and recent developments

The ultimate owner and parent for the V12 trading names is Secure Trust Bank Plc, a UK-headquartered bank based in Solihull. Secure Trust Bank is authorised by UK regulators and positions V12 as part of its consumer- and motor-finance divisions. In a related development, V12 Vehicle Finance disclosed an agreement to sell certain loan portfolios (Moneyway and V12 Vehicle Finance portfolios) to LCM Partners on 24 December 2025; affected accounts are being transferred to LCM Partners during the specified transition period.

Manufacturing / Operational footprint

As a financial services brand, V12 Finance is primarily UK-based in origin and operation — product delivery (loan agreements, decisioning systems, dealer integrations and servicing) is provided from the United Kingdom, although integrations and retail partnerships may operate across merchants and dealer networks.

Practical summary

V12 Finance = UK-founded retail & vehicle finance brand (V12 Retail Finance Limited) operating under and introduced to customers via Secure Trust Bank Plc. Core activities: point-of-sale retail lending, personal loans and dealer stock funding. Recent change: sale of certain loan portfolios to LCM Partners announced 24 December 2025.