Finance Information

Finance Options

We have a range of selected products that we can offer Interest finance on. The options vary depending on the products, please Contact Us for a quote.

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 employment.
  • 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 Check
  • Have a Bank/Building Society current account details available to be able to complete the direct debit instruction.

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


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.

Contact Us

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.



If you are unhappy with how your credit was completed


Please contact our Customer Services Department by emailing

If we fail to resolve your credit complaint you may be entitled to refer it to the Financial Ombudsman Service and their website address is 

AS Watersports Limited is authorised and regulated by the Financial Conduct Authority in relation to credit broking.

For more information please see our terms and conditions