Life is full of memorable milestones, those special, once-in-a-lifetime moments that deserve more than a casual thumbs up and a supermarket own-brand cake.
Whether you're planning to pop the question, jet off on the holiday of a lifetime, or throw a birthday bash worthy of doing the rounds on social media, you want it to be perfect. And let's face it, finding perfection might mean needing some extra cash in your back pocket to make it extra special.
That's where V12 Personal Finance comes in. We help people like you find a smart and simple way to finance their dreams without draining their savings through a personal loan .
Here's what you should know before applying for a loan:
The demand for personal loans is growing across the UK. Our customer data suggests more people are borrowing to pay for those 'once-in-a-lifetime' moments-whether it's a special wedding or a globe-trotting holiday.
But for all the benefits of a personal loan, it's important to know the risks.
It's important to carefully consider the type of loan that best suits your needs, as well as the term and amount that are suitable and affordable to you. If you are a homeowner, you can apply for a secured loan and might be asked to put your home up as collateral against the loan.
Therefore, if you fail to keep up with repayments, your home will be at risk of repossession.
Everyone is different, so be sure to research whether a loan is right for you before committing to one.
Why choose a personal loan for life's big moments?
At V12 Personal Finance, we know time is precious. That's why you can quickly and easily check if you're eligible for a personal loan using our personal loan eligibility checker. It's a simple way to find out if we can find a way to help bring your ideas to life. And the real cherry on top of the cake is our eligibility check only includes a soft check that won't affect your credit score.
It's important to remember that a full credit search will be carried out once you've chosen to apply for a loan with your chosen lender, and the Credit Reference Agencies may keep a record of that search.
Finding a personal loan through V12 Personal Finances lets you:
Enjoy financial convenience: Spread the cost your way, without dipping into your hard-earned savings*.
Plan strategically: Manage your budget while still saying yes to life's unforgettable opportunities.
Bring your ideas to life: Make memories without shouldering the cost in one go
Life moments that are perfect for a personal loan
Marriage proposals and weddings:
Rings, venues, caterers, outfits, and those oh-so-expensive fairy lights, it adds up quickly. But whether you're planning a low-key proposal or a lavish wedding celebration, love doesn't have to mean financial chaos.
By finding a personal loan through V12 Personal Finance, you can:
Finance the perfect engagement ring, without consulting your overdraft first!
Spread the cost of your wedding across manageable monthly payments.
Focus on saying "I do" instead of "How will I afford it?"
Dream holidays and travel:
You've been dreaming about it for years, sandy beaches, city lights, or maybe a full-blown world tour. What's stopping you?
Use a personal loan to lock in early-bird travel deals.
Spread the cost of flights, hotels, and all those Instagram-worthy extras.
Travel well, without watching your savings take a nosedive.
Pay everything back with manageable monthly payments.
Milestone birthdays and anniversaries:
Got a special birthday coming up? Celebrating a silver anniversary? If you think these events deserve more than a card and a takeaway we can help.
By finding a personal loan through V12 Personal Finance, you can:
Splash out and throw the party you've always wanted
Organise a family gathering or trip that brings the whole family together.
Give thoughtful gifts that say more than "I picked this up last-minute"
Pay everything back on time with manageable monthly payments.
Why V12 Personal Finance is the smart choice
Quick, easy, and hassle-free applications
Check your eligibility online in just a few minutes (we promise it takes less time than choosing a wedding cake).
Fast approvals to keep your plans moving.
Got problems? Talk to us about how we can help.
Transparent and clear loan offers
We believe the only surprises in life should be the good kind-like surprise birthday cakes or unexpected first-class ticket upgrades (we all dream, okay?)
At V12 Personal Finance, we promise:
No hidden fees.
No confusing fine print, everything clearly laid out.
Clear, straightforward offers that you can actually understand.
Managing your loan: smart tips for staying on track
It's important to remember that loans should be handled with care. Here's how to make sure your celebration stays joyful long after the last toast:
• Set a clear budget before you start planning, emotional spending can sneak up faster than confetti.
• Use only what you need. Just because it's available doesn't mean you need the platinum package. Everything you borrow will need to be paid back so it's important to be realistic.
• Stick to your repayment plan. Not sticking to your payment plan could lead to arrears and late fees-or losing your collateral if you choose a secured loan-so it's important to keep to the payment plan. If you struggle keeping up with payments talk to your loan provider as soon as you can.
The bottom line: celebrate smart
Life's big moments deserve to be celebrated properly, but not at the expense of your future peace of mind. With V12 Personal Finance, you can:
• Compare loans and make the right decision for you.
• Avoid compromising on quality or experience.
• Enjoy dedicated customer support and clear loan terms.
So, whether it's a sparkling engagement, a long-awaited holiday, or a birthday bash that's been years in the making, V12 Personal Finance is here to help you finance life's milestones with confidence.
We offer customer-centric convenience, clear terms, and stellar customer support from our trusted panel of loan providers-with no tricks or misleading small print, just smart financing.
Ready to join the V12 revolution and make your big life moment one to truly remember?
Representative example: If you borrow £7,500 over 5 years at a representative APR of 22.0% and an annual interest rate of 22.0% (fixed) you would pay £207.14 per month. Total amount repayable is £12,428.51. Minimum repayment period is 12 months. Total charge for credit will be £4,928.51. Credit is subject to status, the % APR rate you will be offered is dependent on your personal circumstances.
It's important to carefully consider the type of loan that best suits your needs as well as a term and amount that is suitable and affordable.
V12 Retail Finance Limited is registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Personal Finance is a trading name of V12 Retail Finance Limited.
V12 Personal Finance is a credit broker, not a lender. V12 Personal Finance introduces you to a limited range of brokers or lenders who may offer you a loan. V12 Personal Finance does not work with the whole of the lending market, meaning other loans may be available to you elsewhere.
V12 Personal Finance does not give you any recommendation or advice. V12 Personal Finance acts for itself and is not impartial. It does not act for you or for the lenders or brokers it works with.
V12 Personal Finance receives a fixed or percentage commission payment from the lender or broker if you take out a loan. The commission it receives varies depending on the product and loan amount. Loan offers (if available) are shown in this order: unsecured loans followed by secured loans, ranked by the closest matched loan amount, term and lowest APR respectively. Before completing your application, you will be shown the commission arrangement between V12 Personal Finance and the lender or broker you have selected.
Credit is subject to status. You must be UK resident aged 18 and over, with a regular provable income. If you are a homeowner, V12 Personal Finance may provide you with details of loans secured against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
To make things easier, we'll share the information (including your personal details) that you confirm and provided during this eligibility check with our panel of lenders or brokers. We do this so that they can provide you with a quote for the loan you have requested and to save you from having to tell them again. Details of our panel can be found here.
You can read more about how we use your personal data in our privacy statement.
Warning: late payment can cause serious money problems.
For help, go to moneyhelper.org.uk