Phillip Stoner is pleased to offer our customers the opportunity to apply for a simple financing contract to finance a purchase from us. Once you have been accepted by V12 Retail Finance, you will be asked to sign the credit agreement and once you have received your purchase, V12 will make your contract live and start your monthly repayments for the agreed duration. The lender will provide you with the contact information of the credit reference agency used. They also give you information on how to appeal the decision when you want to discuss it. Please note that due to the privacy policy, the lender cannot speak by phone. You should also note that each lender applies its own credit score to applicants, so that if you have recently been accepted elsewhere for loans, this does not necessarily mean that the use of the decision will result in a change in the decision on that basis alone. During the credit application, you will be asked about your personal data, such as name, 3-year address history, date of birth, telephone contact information and employment and income information. If you are accepted, you will also need a credit or debit card that you have registered at your address on the credit application so that the lender can perform an electronic identity check. If your credit application is rejected, you will receive an email notification from our V12 Finance credit partner with additional instructions on how to challenge the decision. You should receive an immediate response to find out if your application for funding has been successful. In some cases, V12 – our third-party financial services provider – needs to take a closer look at the application before making a decision.

If you would like to return the article, please read our return conditions. If we accept your return, we will contact the lender to terminate the credit contract. We may not be able to cancel funding if the return is out of our return time. Our online application form is a quick and simple process. Once your application is completed, it is sent immediately to the financial company and you will receive a response as soon as possible. It may take longer to process some applications. If, for some reason, we cannot give you an immediate decision, you will be notified by email as soon as a decision is confirmed as part of the application process and by email.