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Flexible Finance Options

We have a package of flexible finance options available depending on the items selected. You will be presented with a range of interest free or interest bearing options. Simply use our online Finance Calculator to tailor your package to suit your pocket!

How do I apply for finance?

  • Build you basket to a value over £550 (minimum finance amount)
  • Choose 'Pay by Finance' during the checkout process
  • Complete our fully secure finance form in the checkout and click submit
  • Our finance provider will provide you with a decision in seconds
  • If you are approved your order will be submitted and we'll process your order.

Customer Eligibility:

You will be eligible to apply for credit with V12 Finance providing:

  • You are at least 18 years of age
  • You are either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age or in receipt of an invalidity or disability allowance
  • You are a UK resident
  • You are able to make repayments by direct debit
  • You are able to provide your previous address if you have lived at your current address for less than 3 years

V12 Retail Finance Click & Collect Process

Once we at Certini receive the Agreement status provided by V12 for the application, you can make the arrangements to Click & Collect your items.

When you visit our store, you must identify yourself as a Click & Collect customer who is here to collect the goods you purchased on a V12 credit agreement.

We will obtain the details of the sale, your customer information and product information.

You will need to provide the following for verification:

  • Photo ID of either UK Driving Licence, UK Citizen card, UK Passport, Firearms Certificate , Shotgun License or Armed Forces ID card;
  • Your purchase order number; and,
  • The bank card used during the application.

Certini Bicycle Company Limited acts as a broker and not the lender and only offers finance from Secure Trust Bank PLC T/A V12 Retail Finance. Certini Bicycle Company Limited is authorised and regulated by the Financial Conduct Authority, Registration Number 737206. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. Subject to age, status and affordability, minimum spend applies.


We aim to provide you as the customer with the highest standards of service. However, there may be occasions when we do not get it right or fail to meet your expectations. If this happens, we encourage you to contact us so that we can put matters right.

You can make your complaint by contacting our teamby email at or phoning our store on 01752 849315.

You can also make your complaint in writing to us at the address below:

Certini Bicycle Company

10 Kingsmill Road

Tamar View Industrial Estate


PL12 6LD

We aim to contact you with a suitable resolution within 5 working days. Should we need to talk to a supplier regarding your complaint, this may add a delay to the resolution timescale, however our team will be in contact with you, the customer, to keep you informed with the progress.

If your complaint relates to your finance agreement:

If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provide. The provider will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

V12 Contact Details:

Telephone: 02920 468900


Address: V12 Retail Finance Limited, 20 Neptune Court, Vanguard Way, Cardiff CF24 5PJ

What to do if you can't reach an agreement with the credit provider:

In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response. They can be contacted in the following ways:

Further details can be found on the Financial Ombudsman Service website:

Finance example

Product value is £3000.00