V12 Retail Finance: digital health score 80/100

We reviewed V12 Retail Finance (v12retailfinance.com) for the Consumer Lending Digital Audit, Credit Canary’s independent study of 34 UK consumer lenders built only from public information. V12 Retail Finance’s digital health score is 80 out of 100: the top third of the sector, and 2nd of 31 overall. Measured across the set, V12 Retail Finance is 12 points above the sector median of 68. Its strongest area is measurement, at 80 out of 100, well ahead of the 54 consumer lender average, so whether the firm can see what is working is already working. The biggest gain is in mobile speed: 63 against the 60 average, and the quickest way to climb the table.

Findability: 86 out of 100, 7 points above the 79 consumer lender average. That covers showing up and making sense to Google. For mobile speed, 63 out of 100 is just above the 60 average: how fast the site feels on a phone. Measurement scored 80, 26 points above the 54 average, covering whether the firm can see what is working. On accessibility, V12 Retail Finance scored 100, comfortably above the 90 average (being usable for everyone, an Equality Act duty). The full breakdown, with the exact pages we tested and the fixes that would help V12 Retail Finance most, is in the free report.