Finance at Bay to Ridge

Finance at Bay to Ridge

At Bay to Ridge purchasing with finance couldn’t be easier, enabling you to spread the cost of your new board, kite or equipment over 6, 10, 12, 18, 24 and 36 months and pay nothing in interest.

We offer 0% finance options on all eligible (non-sale) products over £295.00.

Fast Decision – Get a decision within a matter of minutes

Add accessories, clothing & footwear – Buy a product eligible for finance and add anything else from Bay to Ridge to the same application

For your finance package, simply choose the items you would like to buy and then follow through with your application at checkout –

Finance Options


Minimum Deposit Amount

Interest Free Finance (6 Months)



Interest Free Finance (10 Months)



Classic Credit 12 months 4.9%



Classic Credit 18 months 4.9%



Classic Credit 24 Months 9.9%



Classic Credit 36 Months 9.9%



Classic Credit 48 Months 15.9%



Who are V12 Retail Finance?

Our chosen finance provider is V12 Retail Finance. 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.

Contact details for V12 Retail Finance are -

Telephone - 02920 468900

Email -

Address -
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ

Do I qualify?

  • You are over 18 and in receipt of a regular income
  • You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years
  • be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age;or in receipt of an invalidity or disability allowance

Please note that meeting this criteria does not guarantee acceptance. Applications from students (unless employed at least 16 hours per week), or unemployed single house persons will not be considered. Applications are also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

How quickly will my application be approved?

All finance decisions will be made by V12 Retail Finance within a few minutes. Once you have been approved, we will contact you (during working hours 7 days a week) to confirm delivery arrangements.

Will you search my credit score?

Yes. Credit scoring is the process used by financial services companies like V12 Retail Finance 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 V12 Retail Finance 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 I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we are only able to deliver orders to the home address of the applicant.

Can I change my order after applying for finance?

To ensure your chosen products are correctly delivered to you, if you need to change your order in any way, we will need to cancel your order and re-key it as if it were new. If you've already received confirmation of approval for V12 Retail Finance via Kites and More, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via V12 Retail Finance, then each will be treated as a new application and will be processed in the normal way.

Why was I declined?

In addition to credit scoring, confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies are all taken into account. Though you will not be provided with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be over-committed
  • You are aged under 18
  • Your existing account performance with other lenders

Can I re-apply if my finance application is unsuccessful?

Yes. V12 Retail Finance acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. They do suggest, however, that you leave at least 6 months between applications.

Vulnerable Customer Policy

Our Vulnerable Customer Policy is a set of guidelines and procedures put in place to ensure that customers who are considered vulnerable are given the appropriate level of support and protection. This policy typically includes measures to identify vulnerable customers and provide them with tailored services to meet their specific needs.

The policy also outlines how our organisation trains its staff to recognise and respond to vulnerable customers, and how it will monitor and review its policies and practices to ensure they are effective and compliant with relevant laws and regulations.

Our Vulnerable customer policy can be found here.

Complaints Procedure

Customer satisfaction is important to us and we strive to provide the best possible service at all times. If you have a complaint about a product or service, please follow our complaints procedure:

Contact customer service: If you have a complaint, please contact our customer service team at Explain the nature of your complaint and provide any relevant details such as your order number or tracking information. This will generate a support ticket that the team shall repsond to.

Provide evidence: If you have any evidence to support your complaint, such as photographs or screenshots, please include these in your communication. This can help to speed up the resolution process and ensure that we understand the nature of your complaint.

Allow time for a response: We aim to respond to all complaints within a reasonable timeframe, depending on the nature of your complaint and our policies. Please allow us a reasonable amount of time to investigate your complaint and respond.