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Finance Options

INTEREST FREE AND CLASSIC (15.9%) FINANCE - Minimum Balance £299.99

Fishing Republic can offer their customers a quick and easy way to spread the cost of their purchases.

The criteria for applications are:

  • Subject to an affordability assessment
  • Permanent UK resident with 3+ years address history
  • Good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • Aged 18+ working at least 16 hours per week
  • Valid debit or credit card and a bank account that accepts direct debits.
  • Students (Working less than 16hrs p/w), Unemployed and single house persons can not be considered.

 Applications from retired individuals are also welcome on receipt of a company or private pension. (50+ year old)

Meeting the criteria does not guarantee acceptance, a range of affordability assessments will be undertaken by V12 Retail Finance upon application. Fishing Republic are a Credit Broker and we broker for the lender V12 Retail Finance exclusively. All applications go through V12 Retail Finance as the lender. Fishing Republic have no influence on the outcome of any applications.

We can provide 6, 9 or 12 month terms representative 0% APR interest free, or 24 and 36 month terms at representative 15.9% APR. All you need to pay up front is a minimum 10% deposit, maximum 70% deposit.

A Buyer who is a consumer has the right to cancel the contract with the Company at any time within 14 days of receiving the Goods if he changes his mind or for any other reason. Where the consumer cancels a contract, any ancillary contract (such as a warranty or credit agreement) is automatically cancelled. Please refer to our Terms and Conditions for more details on your cancellation rights.

 How much can I borrow?

When checking out, just complete the easy online application form that you’ll receive from Fishing Republic and you can be approved subject to an affordability assessment for up to £15,000 to allow you to purchase the fishing tackle that you’ve been dreaming of, and pay for it in easy manageable instalments.

 Is a deposit required?

Yes, a minimum 10% deposit will need to be paid upon acceptance, although you can choose any deposit amount up to and including 70%.

 How are my monthly payments made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the delivery of your goods, subsequent monthly payments will be due every month for the length of your agreement.

 What type of goods can I buy on Finance?

You can purchase anything on our website or in store on finance. Please remember that the minimum order value for finance is £299.99.

 Can I Pay Off My Loan Early?

You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

 What Do I Need To Apply?

To apply for finance you must meet the following criteria:

•             You must be over 18 years of age.

•             You must be a UK resident with at least 3 years continual address history.

•             You must be in full time employment (16+ hours p/w), retired or a house person with a spouse in full time employment.

•             You must have a UK bank account capable of accepting Direct Debits.

•             You must have a valid Debit or Credit card registered in your name and to the home address on the application form in order to pay your deposit.


Representative Example 1.

12 Months Representative 0% APR

Trakker Armo 1 Man Bivvy - £399.99

Total amount of Credit - £360.00

Deposit - £39.99

12 x Monthly Direct Debits of - £30

Total Charge for Credit (0%) - £0.00

Total Amount Payable - £360.00

Representative APR 0%

Length of Agreement 12 Months


Representative Example 2.

36 Months Representative 15.9% APR

Middy Shock Core Fusion XK-55 16m Pole Package - £1399.99

Deposit - £139.99

Total Amount of Credit - £1260.00

36 x Monthly Direct Debits of - £43.58

Total Charge for Credit (15.9%) - £308.88

Total Amount Payable - £1568.88

Representative APR 15.9%

Length of Agreement 36 Months


What to do on our website

When purchasing through our website and wanting to pay by credit, then please add the desired products to your basket and proceed to ‘checkout’. At the checkout please select the V12 ’Pay by Finance’ option and continue according to the instructions . Completing the Credit Application should take 3-5 minutes.

 At the end of the online application you will be required to ‘e-sign’ the documents. Once we have confirmation that you have been approved for finance, you have e-signed the documents and we have taken payment for your deposit then we will release the goods.


The available credit options are:

6 Months 0% Interest Free

9 Months 0% Interest Free

12 Months 0% Interest Free

24 Months 15.9% Classic Finance

36 Months 15.9% Classic Finance


What to do if I have a complaint

If in the unlikely situation that you have a complaint regarding your Credit order then please either contact us through email: complaints@fishingrepublic.net  or by telephone 0845 301 1172. We aim to deal with all complaints as quickly and with less distruption to the customer as possible. We aim to deal with all complaints via email or our own website contact form within 24 hours. Regarding Credit complaints, if you deem that we have not dealt with your complaint appropriately and to the degree that is reasonable, then you have the right to refer your complaint to the Financial Ombudsman Service. 

For more information please contact: support@fishingrepublic.net