V12
Retail Finance

We're delighted to offer V12 Retail Finance at our online store






By partnering with V12 Retail Finance, we can now allow you to spread the cost of your purchases over a number of months with representative APR’s of 14.9% to 29.8% on Classic Credit, Take 10 and Buy Now, Pay Later options.

You can take advantage of Classic Credit, Take 10 and Buy Now, Pay Later on a range of Apple and other products from as little as £249, giving you greater flexibility in how much and when you pay. You’ll be able to choose from the available options when you reach the checkout at our online store. You’ll be presented with worked examples of your repayments on your chosen goods and selected finance package before beginning the simple online application. The whole application usually takes less than 10 minutes and in most cases, decisions are made immediately.

A V12 Retail Finance application will result in a check on your ability to afford the credit you are applying for as well as your credit worthiness. Acceptance by V12 Retail Finance is subject to age and status. Decisions are usually made immediately, although in some circumstances a decision will be deferred for further checks.

Please note - We can only ship goods purchased with V12 Retail Finance to the address on your application to V12, please ensure this matches the address you enter at checkout.






Spread the cost of your new Mac

With our V12 retail finance calculator, you can break down the cost of a new Mac to a cost per month (if you are accepted by our retail finance partners, V12). Not all finance products listed are available at our online store, however, you can also visit your nearest KRCS store and enjoy the full range of options to finance your new purchases.


KRCS V12 Loan Calculator
Please note, not all finance options listed here are available when purchasing online.


Finance is subject to status. Terms and conditions apply.
Total amount repayable . APR representative.

Our online store packages

A worked example purchase of a 13” MacBook Pro with Retina Display, costing £1,187.22 could work out as follows -

Classic Credit
24 Months 14.9%
Classic Credit
36 Months 14.9%
Buy Now, Pay Later
(6 months/36)*
Take 10 Finance 
(only available up to £1,500.00)
Purchase Price£1,187.22£1,187.22£1,187.22£1,187.22
Deposit Amount£0.00£0.00£0.00£0.00
Amount of Credit£1,187.22£1,187.22£1,187.22£1,187.22
APR (representative)14.9%14.9%19.9%26.29%
Monthly Installment£56.99£40.60£46.67£131.92
Repayment Term24 months36 Months36 Months10 Months
Total Interest Charged£180.54£274.38£485.70£131.98
Settlement Fee**£35

* There is a deferred period of 6 months on your loan, making the term 42 months. Should you choose to settle the balance in full within this period, you will pay NO INTEREST. **The Settlement Fee is applied if you pay off your entire balance within the deferred period.






KRCS Group Ltd is registered in England No(s). 1741640 & 2322420. Registered office: KRCS Group Limited, Queens Court, Lenton Lane, Nottingham, UK  NG7 2NR. KRCS acts as a credit broker and only offers credit products from V12 Retail Finance. KRCS is authorised and regulated by the Financial Conduct Authority. Our registration number is FRN697819. Credit provided subject to age and status.