Broader age range now embracing finance options

Point of Sale (POS) credit specialists V12 Retail Finance have published new analysis that reveals that UK consumers have become more intentional in how and when they make expensive purchases.

It found that demand for big-ticket items has remained solid, with a broad range of ages now embracing finance options to help with affordability, not just youngsters.

“This broadening in customer profile shows that flexible finance has moved firmly into the mainstream,” said V12 Retail Finance’s managing director, Andrew Phillips. “It’s becoming a budgeting tool for a much wider range of consumers, particularly for structured, higher‑value purchases.”

The analysis points to wider national trends, which show that retail is remaining stoic, despite economic headwinds and geopolitical uncertainty. According to the Office for National Statistics (ONS), retail sales volumes rose by 1.3% in 2025, for the second consecutive year in 2025.