0% Finance on Kitesurfing and SUP Gear

Finance on SUP and Kitesurfing Gear

Spread the cost of purchasing kitesurfing, SUP and wakeboarding gear with our flexible finance options over 4, 6, 10 or 12 months on purchases from just £150.

  • Decision within minutes from filling the application form
  • Purchases over £150 can be financed via PayPal Credit over 4 months at 0% APR
  • Purchases over £300 can be financed via V12 Finance over 6, 10 or 12 months at 0% APR

We have chosen V12 Finance as our long-term lender for a number of reasons. V12 Retail Finance are the UK's leading Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through their long-term dedicated funding lines.


  • Add the gear you want to the basket,
  • Proceed to checkout,
  • Fill in all your contact & shipping details,
  • Choose V12 Finance (purchases over £300) or PayPal (purchases over £150) at the checkout,
  • Fill in the finance application form,
  • Get the decision within minutes,
  • Your gear will shortly arrive and you're ready to shred!

Any questions? Here's a FAQ below but feel free to call us on 0131 618 9474 or email us at


Cabrinha Switchblade 12m 2018 Kitesurfing Kite
Interest Free Credit Offer - 0% APR over 12 months
Purchase Price £1429.00
Deposit 10% £149.00
Amount of Credit £1280.00
12 Monthly Payments £106.66
Total Repayable £1429.00
Duration of Agreement 12 months
Rate of Interest 0%
Red Paddle Ride 10'6 2018 SUP Board with Alloy Paddle Package
Red Paddle Ride 10'6
Interest Free Credit Offer - 0% APR over 12 months
Purchase Price £849.00
Deposit 10% £84.90
Amount of Credit £764.10
12 Monthly Payments £63.67
Total Repayable £849.00
Duration of Agreement 12 months
Rate of Interest 0%


Who can apply for finance?

  • You have to be 18 or older;
  • You have to be, or your partner partner is, in permanent paid employment (over 16 hours per week), retired (receiving a pension), in receipt of a disability benefit or self-employed;
  • You have been a resident in the UK for at least 3 years;
  • You have a debit or credit card in your name and registered to your address;
  • You have a Bank or Building Society current account available;

Where my order can be shipped to?

For finance orders made online we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person.

What information is required?

During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.

Will I be Credit Scored?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

Can my application be declined and why?

You will be informed of the decision if the lender declines your application, the lender in unable to share the reason for decline with us. Applications are usually declined for reasons such as:

  • you do not meet the eligibility criteria (see above);
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted; or
  • your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

If your application gets declined please contact V12 Finance for further information.

The lender

Skymonster Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. V12 Retail Finance Limited are owned by Secure Trust Bank PLC.

V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
Secure Trust Bank PLC Registered in England and Wales 541132.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: One Arleston Way, Solihull, B90 4LH. V12 Retail Finance is a trading name of Secure Trust Bank PLC.

V12 Finance Telephone - 02920 468900
V12 Finance Email -
V12 Finance Address:
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ

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