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No paper forms. No sending forms in the post. Completely online.

The process begins when you select a finance offer at the checkout. The credit application form is then displayed. A 'credit summary' displays the description of goods and finance details.

After filling in your details, to complete the application, you will need to check the e-signature box to sign the credit agreement and submit your application. A decision is returned in around 10 seconds, which means you can complete your purchase, entirely online, in just a few minutes.

And as the agreement is executed online there is no paper, no sending forms in the post and no delays.



Khyam is a non-independent credit broker. Khyam is a registered trading name of Secco Ltd. 

Khyam has access to a lenders as a non-independent credit broker. Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Offer may be varied, withdrawn or extended at any time.

All figures are correct at time of publication but may be subject to change.

What does this mean?  Essentially, we're non-independent because we only work with a single finance provider and cannot search nor advise on the whole market for your best option to fit your circumstances.

What's a credit broker?  We make an introduction on your behalf to a lender, but we are not the lender itself.  Meaning for example, when you take out finance on a new Khyam Product, we introduce you to V12 Finance (the lender) and your finance agreement is between you and them.

What about fees?  We don't charge you a fee for an introduction to a lender, however the lender may pay us or charge us a fee for the introduction. 

How am I scored?  Different lenders have different methods of scoring you for your suitability of your finance application.  We are not privy to the score, nor how they arrive at it.  We only get notification of an acceptance, referral or decline.  If you want to speak to our finance provider, their details are below.

My credit score isn't good, and I've been refused finance before.  We don't currently work with any lenders who specialise in finance for those who find themselves with an adverse credit record. Please consider carefully any agreement where the total amount payable and APR are significantly higher than those offered through our chosen lender.  Please be aware that all credit searches are recorded against your history and may adversely affect your credit score.

If you want to make a complaint please telephone or write to the following address in the first instance.  We'll endeavour to resolve any complaint quickly and painlessly.  If you want to write to the finance houses directly, please see the details below

In the first instance: Secco Ltd, Unit 2c Chartwell Point, Chartwell Drive, Leicester, LE18 2FT. Tel: 0116 402 1980

Discount Codes cannot be used when processing a finance order with V12.

Finance Options Available:

12 months

Interest Free 0%

On orders of £300 - £499.99

24 months

Interest Free 0%

On orders of £500-£749.99

36 months

Interest Free 0%

On orders of £750-£999.99

48 months

Interest Free 0%

On orders of £1,000+

Deferred Finance: 

3 months deferred payment followed by 12 months Interest Free

On orders of £1,000+

6 months deferred payment followed by 12 months Interest Free

On orders of £1,000+

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.