V12 Vehicle Finance Reviews 

Very good. no hassle with friendly staff who explained everything completely.

Very simple and easy process, everything was explained to me on the phone, documents signed online and application completed with funds received that same day. 5*

I would strongly caution anyone considering finance through V12 Vehicle Finance, particularly when it involves independent used car dealers.

I purchased a vehicle via V12 in November 2024 from Prestige Cars LDN, and within two months, the car became completely undrivable due to serious mechanical faults: leaking water pump, faulty thermostat, engine misfire, fuel-contaminated oil, and a suspected head gasket failure. A local mechanic and a V12-appointed engineer both confirmed that the vehicle was not of satisfactory quality.

Despite this, V12 refused to process a rejection of the vehicle and instead insisted I pursue repairs — either at my own expense or through the original dealer, who had already ghosted me and is now the subject of a County Court Judgment (CCJ). I won that judgment, but the dealer has still refused to pay, and V12 has continued to delay any resolution.

To date:

I’ve paid over £7,000 in finance, tax, insurance, and legal fees on a car I cannot drive.

The vehicle has sat in a garage for months, while I’ve missed work and income (I’m self-employed).

V12 has misrepresented my consumer rights, suggesting I had “only two options” when I was entitled to reject the vehicle outright under the Consumer Rights Act 2015.

Their communication has been slow, evasive, and dismissive. I’ve received vague “we’re still investigating” messages while being offered no actual solutions.

I’ve now had to escalate the matter to the Financial Ombudsman Service, who are investigating (Ref: PNX-5607654-S7G0).

I understand that V12 is technically not the seller, but as the finance provider, they are responsible under UK consumer law for ensuring the goods financed are of satisfactory quality. In this case, they failed to act, ignored their own engineer’s findings, and offered little more than delay tactics.

I’m not someone who complains lightly. I went to court. I collected evidence. I followed every official process. And still, I'm out of pocket, without a car, and chasing accountability while V12 continues to stall.

Be cautious. Read everything. And be prepared for a long road if things go wrong — because V12 won’t be there to support you.

Edit : As of 22.05.2025 i have not been contacted from anyone and not a single response to my 3 or 4 emails that i have sent to v12 vehicle finance or to Secure Trust Bank . 0 .

Team is very friendly n cooperative. I highly recommend

Easy to deal with and a quick answer to all questions.

Great company. Really easy to edit your contract and make extra payments. The online portal is great and the customer help team is really helpful. Highly recommend

Everything was explained in detail.

How quick and easy a decision was made and excellent communication

First class service, and very professional

Easy to apply easy to fill in documents no pay slip to-ing & fro-ing very helpful and definitely quick

They’re very good and helpful specially for me because no one giving me loan but they give me more then easier of other

Helped me with decent APR as my credit score was average helped me buy the car quick & efficient highly reccomend V12 Car Finance

Just no problems

Easy transaction and very efficient was surprised it only took a few hours to set up finance with V12, and able to pick up my new vehicle after 24-48hrs. Highly recommended thank you V12 Vehicle Finance.

Repeatedly call me from an auto-dialler, and then because there is no-one there to pick the call up, the line goes dead. AVOID.

Trustpilot has often prevented me from making a mistake anbd giving business to untrustworthy comnpanies or people.

Keep in touch though email even once you’ve u get ur new car to make sure everything ok

It was just so easily and good. How was all dealt with?

Sales & Customer Service Experience.

A major part of my positive experience was the excellent service provided by my salesperson. From the initial inquiry to the final handover, they were professional, knowledgeable, and attentive to my needs. They took the time to explain the various options and features, ensuring I made an informed decision. The purchasing process was smooth, with clear communication and no unnecessary pressure. Their attention to detail and commitment to customer satisfaction made the entire experience even more enjoyable.

Straight forward from start to finish-fast smooth process -clear information