Against an industry average of around three minutes, it's incredible.

Our aim is to keep it fast using every ounce of technology we can muster.

We also know that every deal must then be completed before the tiny window of opportunity closes.

That's why we pioneered an equally quick second stage to the process.

In-store, the retail finance agreement is downloaded via the V12finance.com secure online server, for signing by the customer there and then.

Online, it’s automatically emailed to the customer for printing, signing and posting back.

The in-store transaction is almost as quick as a credit card purchase. Online, it beats other systems by up to three days.