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Finance Information
Kayak Equipment Finance
Interest Free Finance
We have a range of selected products that we can offer Interest Free finance on. This option is allows you to spread the cost of the product over 11 payments (1 Deposit and 10 Monthly instalments).

Representative Example
Purchase Value £1000
Deposit £100
Amount of credit £900
Monthly payments £90
Duration of Agreement 10 Months
Total Amount Payable £1000
Rate of Interest (Fixed) 0%
Representative APR 0%
Fixed Rate Credit
On all purchases over £300 (£50 deposit and £250 credit) we can offer fixed rate credit over 12 or 24 months.
Representative Examples
Duration of Agreement 12 Months 24 Months
Purchase Value £500 £500
Deposit £50 £50
Amount of credit £450 £450
Monthly payments £40.58 £21.78
Rate of Interest (Fixed) 15.88% 15.88%
Representative APR 15.88% 15.88%
Total Interest Cost £39.96 £72.72
Total Amount Payable £536.96 £572.72
Can I apply?
To be eligible for finance you will need to be:
  • 18 years of age or older
  • In permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a
    disability benefit, self-employed, or in a permanent residence with your spouse/partner who's in regular
  • A resident in the UK for at least 3 years and will continue your residency in the UK
  • Have a debit or credit card in your name and registered to your address for which to complete the ID Fraud
  • Have a Bank/Building Society current account details available to be able to complete the direct debit

Applications are not normally accepted in the following circumstances:
  • You are unemployed and your partner is not working
  • You are a full time student
Other conditions may apply and we cannot guarantee that your application will be accepted.
How to apply

Mail Order – Pay with Finance and have the goods delivered to you

  • Please call us and let us know the items you would like to purchase. We will calculate the price and let you
    know how much the finance is going to cost.
  • We will take your contact and payment details, and process the deposit payment.
  • You will then receive and e-mail with a link to complete the finance application online. When completed, it
    will be sent for approval.
  • If the application has been approved, we will receive a notification and dispatch the goods. We will email
    you with the tracking details.
  • Please note: We can only send goods to the address that the application is registered to, and you must be
    available to sign for the goods.
Contact Us
Alternatively, you can come in store and we can process the application on the spot. If the application is approved
you can take the goods away. You will need a valid debit/credit card and your bank details.

About V12 Retail Finance
We offer credit products from V12 Retail Finance Limited ("V12") to offer
you a flexible and affordable option to pay on finance. V12 is the UK's only
specialist provider of Retail Point of Sale Credit, providing finance options for
more than 20 years through its industry leading online paperless processing
system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12's parent company) 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.
Kayak Equipment Finance

AS Watersports: 1 Terracina Court, Exeter, EX2 8DP AS Watersports acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit provided subject to age and status.

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Questions? Speak to our friendly team on 01392 219600
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1 Terracina Court
Haven Road
Tel: 01392 219600
Mon: 10.30 - 17.30
Tues - Fri: 9.30 - 17.30
Sat: 9.30 - 17.00
Sun: Closed
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