Campagnolo Bora Ultra WTO 33 DB 2-WF DCS Pr ShClearance Item
Pricing
OUR PRICE £2749.99
To Clear £1710.99
Product ID 108163
Description
Reviews
Delivery
Sizing
**Stiffer lighter and more aerodynamic the new Bora Ultra WTO series showcases the beauty of speed.**
The introduction of aerodynamic (and easily maintained) internal nipples redesigned hubs and new tubeless ready rims made from proprietary ultra-light carbon fibre all add up to an extraordinarily fast wheelset.
With extensive race testing prior to launch courtesy of UAE Team Emirates Lotto-Soudal and Ag2R-Citroen Team the Bora Ultra WTO has unbeknown to many already won a World Tour race in 2021 with Tadej Pogacar in the UAE Tour.
This is the ideal wheel for you if you are looking for a professional level aerodynamic lightweight fast responsive and luxurious road disc wheelset.
**KEY FEATURES**
* Incredibly lightweight (from 1385g for the 33 version)
* Wind Tunnel Optimised (WTO) for real world conditions. In fact the Bora Ultra WTO is extremely efficient to the point that it not only reduces drag but at certain angles is capable of a negative drag coefficient.
* Suitable for Tubeless or Clincher Tyres
* Compatible versions for all major groupset brands available
* Handmade in Italy
**TECHNOLOGY**
Aero Mo-Mag and Tubeless Ready 2-Way Fit Rims
Aerodynamic (and easy to maintain) internal nipples offer a stronger lighter and more aero integration of the spokes to the rim. Campagnolo's Tubeless ready 2-Way fit system allows the fitment of Clincher or Tubeless Ready tyres.
**H.U.L.C Construction and C-LUX Finish**
The Bora Ultra WTO is constructed from Campagnolo's Hand Made Ultra Lightweight Carbon in a stunning mirror like Campagnolo Luxury (C LUX) finish which is so pristinely smooth it does not require any additional lacquer.
**CULT Ceramic Bearings**
Precisely engineered ceramic bearings are more durable than traditional steel bearings reduce wear and tear and are more efficient - offering 40% less friction than their standard sealed steel counterparts.
**G3 Asymmetric Spoke Pattern**
Campagnolo's asymmetric G3 system optimised for disc brakes improves power transfer and reduces stress during sprinting as well as under heavy braking.
**N3W**
Campagnolo's Next 3 Ways (N3W) is compatible with Campagnolo 11 12 and 13-speed cassettes. The wheelset is also available with freehub bodies for Shimano HG and SRAM XDR.
**TECHNICAL SPECIFICATION:**
* EXTREMELY AERODYNAMIC RIM: on all size versions 33 / 45 / 60
* RIM PROFILE Bora WTO 33: 33mm deep / 21mm wide / 27.4mm external width
* WIND TUNNEL OPTIMISED (WTO) FOR REAL WORLD CONDITIONS
* RIM MATERIAL: H.U.L.C (Handmade ultra-light carbon) UD (unidirectional) high strength carbon fibre with Campagnolo's C-LUX finish and Dark Copper Shaded (DCS) Effect graphics.
* RIM DIAMETER: 700c
* FEATHERWEIGHT DECALS: Water transfer decals Dark Copper Shaded (DCS) Effect graphics
* BRAKING SYSTEM: Disc Brake AFS
* TYRE COMPATIBILITY: 2-Way Fit rim is suitable for Clincher or Tubeless ready Aerodynamically optimised for 25c tyres but compatible with sizes 23c to 33c
* FRONT HUB: Carbon body with aerodynamic integrated radial flange plus Dark Copper Shaded (DCS) Effect graphics.
* REAR HUB: Aluminium Alloy body with 36T oversized ratchet ring plus Dark Copper Shaded (DCS) Effect graphics.
* HUB BEARINGS: CULT Ceramic cup and cone bearings
* FRONT AXLE: 12 x 100mm in Aluminium for additional weight saving
* REAR AXLE: 12 x 142mm in Aluminium for additional weight saving
* SPOKES: 24 x 1.5mm Mega G3 asymmetric pattern double butted straight pull with aero elliptical section
* NIPPLES: Aluminium alloy self-locking internal Aero Mo-Mag system
* FREEHUB COMPATIBILTY: N3W for Campagnolo 11/12/13x SRAM XDR Shimano HG and Microspline
* RIDER + BIKE WEIGHT LIMIT: 120kg
* DESIGNED AND HANDMADE IN ITALY
* WEIGHT: 1385g 2-Way Fit N3W (33 version)
**BOX CONTENTS:**
* Wheelset
* Thru Axles
* Wheelbags
* Accessory Bag
* Aero Mo-Mag maintenance kit
* Tubeless valves
* AFS lockrings
* Campagnolo tyre levers
* N3W Z11 adapter (supplied with N3W freehub version)
* Warranty information and user guide
The introduction of aerodynamic (and easily maintained) internal nipples redesigned hubs and new tubeless ready rims made from proprietary ultra-light carbon fibre all add up to an extraordinarily fast wheelset.
With extensive race testing prior to launch courtesy of UAE Team Emirates Lotto-Soudal and Ag2R-Citroen Team the Bora Ultra WTO has unbeknown to many already won a World Tour race in 2021 with Tadej Pogacar in the UAE Tour.
This is the ideal wheel for you if you are looking for a professional level aerodynamic lightweight fast responsive and luxurious road disc wheelset.
**KEY FEATURES**
* Incredibly lightweight (from 1385g for the 33 version)
* Wind Tunnel Optimised (WTO) for real world conditions. In fact the Bora Ultra WTO is extremely efficient to the point that it not only reduces drag but at certain angles is capable of a negative drag coefficient.
* Suitable for Tubeless or Clincher Tyres
* Compatible versions for all major groupset brands available
* Handmade in Italy
**TECHNOLOGY**
Aero Mo-Mag and Tubeless Ready 2-Way Fit Rims
Aerodynamic (and easy to maintain) internal nipples offer a stronger lighter and more aero integration of the spokes to the rim. Campagnolo's Tubeless ready 2-Way fit system allows the fitment of Clincher or Tubeless Ready tyres.
**H.U.L.C Construction and C-LUX Finish**
The Bora Ultra WTO is constructed from Campagnolo's Hand Made Ultra Lightweight Carbon in a stunning mirror like Campagnolo Luxury (C LUX) finish which is so pristinely smooth it does not require any additional lacquer.
**CULT Ceramic Bearings**
Precisely engineered ceramic bearings are more durable than traditional steel bearings reduce wear and tear and are more efficient - offering 40% less friction than their standard sealed steel counterparts.
**G3 Asymmetric Spoke Pattern**
Campagnolo's asymmetric G3 system optimised for disc brakes improves power transfer and reduces stress during sprinting as well as under heavy braking.
**N3W**
Campagnolo's Next 3 Ways (N3W) is compatible with Campagnolo 11 12 and 13-speed cassettes. The wheelset is also available with freehub bodies for Shimano HG and SRAM XDR.
**TECHNICAL SPECIFICATION:**
* EXTREMELY AERODYNAMIC RIM: on all size versions 33 / 45 / 60
* RIM PROFILE Bora WTO 33: 33mm deep / 21mm wide / 27.4mm external width
* WIND TUNNEL OPTIMISED (WTO) FOR REAL WORLD CONDITIONS
* RIM MATERIAL: H.U.L.C (Handmade ultra-light carbon) UD (unidirectional) high strength carbon fibre with Campagnolo's C-LUX finish and Dark Copper Shaded (DCS) Effect graphics.
* RIM DIAMETER: 700c
* FEATHERWEIGHT DECALS: Water transfer decals Dark Copper Shaded (DCS) Effect graphics
* BRAKING SYSTEM: Disc Brake AFS
* TYRE COMPATIBILITY: 2-Way Fit rim is suitable for Clincher or Tubeless ready Aerodynamically optimised for 25c tyres but compatible with sizes 23c to 33c
* FRONT HUB: Carbon body with aerodynamic integrated radial flange plus Dark Copper Shaded (DCS) Effect graphics.
* REAR HUB: Aluminium Alloy body with 36T oversized ratchet ring plus Dark Copper Shaded (DCS) Effect graphics.
* HUB BEARINGS: CULT Ceramic cup and cone bearings
* FRONT AXLE: 12 x 100mm in Aluminium for additional weight saving
* REAR AXLE: 12 x 142mm in Aluminium for additional weight saving
* SPOKES: 24 x 1.5mm Mega G3 asymmetric pattern double butted straight pull with aero elliptical section
* NIPPLES: Aluminium alloy self-locking internal Aero Mo-Mag system
* FREEHUB COMPATIBILTY: N3W for Campagnolo 11/12/13x SRAM XDR Shimano HG and Microspline
* RIDER + BIKE WEIGHT LIMIT: 120kg
* DESIGNED AND HANDMADE IN ITALY
* WEIGHT: 1385g 2-Way Fit N3W (33 version)
**BOX CONTENTS:**
* Wheelset
* Thru Axles
* Wheelbags
* Accessory Bag
* Aero Mo-Mag maintenance kit
* Tubeless valves
* AFS lockrings
* Campagnolo tyre levers
* N3W Z11 adapter (supplied with N3W freehub version)
* Warranty information and user guide
When will my order arrive? (excluding Bikes)
Just above the 'Add to basket' button you will see the item availability. We have 3 different availability stock flags on our website which will determine how long an order will take to arrive.
In Stock in Kircaldy Shop
This means that we physically have the item in the shop. If you choose one of our Priority Delivery options then you can expect your order within 1 to 3 working days. If you choose a Non Priority Delivery service you can expect your order within 3 to 5 working days.
In Stock at Supplier
Our stock system is linked in with our suppliers stock system which allows us to offer a wider product range, but does increase the delivery times a little. If you choose one of our Priority Delivery options you can expect the order within 3 to 5 working days. If you choose Non Priority Delivery you can expect the order within 5 to 10 working days, although this is completely determined by the speed of the item coming from our supplier.
Out of Stock
This means that both ourselves and our suppliers are out of stock of the item. Although the website won't allow you to order something with this stock flag you are more than welcome to contact us with the Product ID. We may be able to back order it for you, or at least see if we can provide an estimated restocking date.
If you need an order quicker than this please email us with the product ID to find out if this is possible to avoid disappointment.
What about bikes?
We aim to dispatch all bikes within 5 working days, but during busy periods we may have a few builds in the queue and could take a bit longer. If this is a concern or you need the bike before a certain date then please email us to make sure we can achieve this and avoid any disappointment. We will email you the day of dispatch and you can expect the bike the following day. If you provide a mobile number on your order the courier will also send you a text message 1 hour before delivery so you know exactly what time to expect it.
Who do you use to send orders?
We use Royal Mail for most of your orders unless they are bulky or valuable, in which case we will send the order using DPD. You can also specify DPD at checkout if you prefer to have your item delivered with an hours notice in the form of email or text from the courier.
Just above the 'Add to basket' button you will see the item availability. We have 3 different availability stock flags on our website which will determine how long an order will take to arrive.
In Stock in Kircaldy Shop
This means that we physically have the item in the shop. If you choose one of our Priority Delivery options then you can expect your order within 1 to 3 working days. If you choose a Non Priority Delivery service you can expect your order within 3 to 5 working days.
In Stock at Supplier
Our stock system is linked in with our suppliers stock system which allows us to offer a wider product range, but does increase the delivery times a little. If you choose one of our Priority Delivery options you can expect the order within 3 to 5 working days. If you choose Non Priority Delivery you can expect the order within 5 to 10 working days, although this is completely determined by the speed of the item coming from our supplier.
Out of Stock
This means that both ourselves and our suppliers are out of stock of the item. Although the website won't allow you to order something with this stock flag you are more than welcome to contact us with the Product ID. We may be able to back order it for you, or at least see if we can provide an estimated restocking date.
If you need an order quicker than this please email us with the product ID to find out if this is possible to avoid disappointment.
What about bikes?
We aim to dispatch all bikes within 5 working days, but during busy periods we may have a few builds in the queue and could take a bit longer. If this is a concern or you need the bike before a certain date then please email us to make sure we can achieve this and avoid any disappointment. We will email you the day of dispatch and you can expect the bike the following day. If you provide a mobile number on your order the courier will also send you a text message 1 hour before delivery so you know exactly what time to expect it.
Who do you use to send orders?
We use Royal Mail for most of your orders unless they are bulky or valuable, in which case we will send the order using DPD. You can also specify DPD at checkout if you prefer to have your item delivered with an hours notice in the form of email or text from the courier.
| Mountain Bike (Hardtail & Full Suspension) | |||
|---|---|---|---|
| Rider Height | Frame Size | ||
| 4' 10" - 5' 2" | 148 - 158cm | 13-14" | XS |
| 5' 2" - 5' 6" | 168 - 168cm | 15-16" | S |
| 5' 6" - 5' 10" | 168 - 178cm | 17-18" | M |
| 5' 10" - 6' 1" | 178 - 185cm | 19-20" | L |
| 6' 1" - 6' 4" | 185 - 193cm | 21-22" | XL |
| 6' 4" - 6' 6" | 193 - 198cm | 23-24" | XXL |
| Women's Mountain Bike (Hardtail & Full Suspension) | |||
|---|---|---|---|
| Rider Height | Frame Size | ||
| 4' 10" - 5' 2" | 148 - 158cm | 13-14" | XS |
| 5' 2" - 5' 6" | 168 - 168cm | 15-16" | S |
| 5' 6" - 5' 10" | 168 - 178cm | 17-18" | M |
| 5' 10" - 6' 1" | 178 - 185cm | 19"+ | L |
| Road Bike Sizing | |||
|---|---|---|---|
| Rider Height | Frame Size | ||
| 4' 10" - 5' 0" | 148 - 152cm | 47 - 48cm | XXS |
| 5' 0" - 5' 3" | 152 - 160cm | 49 - 50cm | XS |
| 5' 3" - 5' 6" | 160 - 168cm | 51 - 53cm | S |
| 5' 6" - 5' 9" | 168 - 175cm | 54 - 55cm | M |
| 5' 9" - 6' 0" | 175 - 183cm | 56 - 58cm | L |
| 6' 0" - 6' 3" | 183 - 191cm | 58 - 60cm | XL |
| 6' 3" - 6' 6" | 191 - 198cm | 61 - 63cm | XXL |
| Womens Road Bike Sizing | |||
|---|---|---|---|
| Rider Height | Frame Size | ||
| 4' 10" - 5' 1 " | 147 - 155cm | 44 - 46cm | XXS |
| 5' 1 " - 5' 3" | 155 - 160cm | 47 - 49cm | XS |
| 5' 3" - 5' 5 " | 160 - 165cm | 50 - 52cm | S |
| 5' 5 " - 5' 8 " | 165 - 172cm | 53 - 55cm | M |
| 5' 8 " - 5' 10" | 172 - 180cm | 56 - 57cm | L |
| Hybrid Bike Sizing | ||||
|---|---|---|---|---|
| Rider Height | Frame Size | |||
| 4' 10" - 5' 1" | 147 - 155cm | 13-14" | 47 - 49cm | XS |
| 5' 1" - 5' 5" | 155 - 165cm | 15-16" | 50 - 52cm | S |
| 5' 5" - 5' 9" | 165 - 175cm | 17-18" | 53 - 54cm | M |
| 5' 9" - 6' 0" | 175 - 183cm | 19-20" | 55 - 57cm | L |
| 6' 0" - 6' 3" | 183 - 191cm | 21-22" | 58 - 61cm | XL |
| 6' 3" - 6' 6" | 191 - 198cm | 23-25" | 61 - 63cm | XXL |
| Children's Bike Sizing | |||
|---|---|---|---|
| Age & Height | Wheel Size | ||
| 2 - 5 years | 2' 10" - 3' 7" | 85 - 110cm | Balance Bike |
| 2 - 4 years | 2' 10" - 3' 4" | 85 - 100cm | 12" wheel |
| 3 - 5 years | 3' 1" - 3' 7" | 95 - 110cm | 14" wheel |
| 5 - 7 years | 3' 7" - 4' 0" | 110 - 120cm | 16" wheel |
| 7 - 9 years | 4' 0" - 4' 5" | 120 - 135cm | 20" wheel |
| 9 - 11 years | 4' 5" - 4' 9" | 135 - 145cm | 24" wheel |
| 11+ years | 4' 9" + | 145cm + | 26" wheel |
Men's Clothing
 |
Apparel | |||||
|---|---|---|---|---|---|---|
| S | M | L | XL | XXL | ||
| Chest (1) | 36.5 - 38" | 38 - 39.5" | 39.5 - 41" | 41 - 42.5" | 42.5 - 44" | |
| Waist (2) | 30.5 - 32" | 32 - 33.5" | 33.5 - 35" | 35 - 36.5" | 36.5 - 38" | |
| Hip (3) | 36.5 - 38" | 38 - 39.5" | 39.5 - 41" | 41 - 42.5" | 42.5 - 44" | |
| Inseam (4) | 31.5" | 32" | 32.5" | 33" | 33.5" | |
 |
Gloves | |||||
|---|---|---|---|---|---|---|
| S | M | L | XL | XXL | ||
| Inch | 7.25 - 8" | 8 - 8.75" | 8.75 - 9.5" | 9.5 - 10.25" | 10.25 - 11" | |
| CM | 18.5 - 20.3 | 20.3 - 22.2 | 22.2 - 24 | 24 - 26 | 26 - 28 | |
| EUR Size | 7.5 - 8 | 8.5 - 9 | 9.5 - 10 | 10 - 10.5 | 11 | |
| Footwear | ||||||||
|---|---|---|---|---|---|---|---|---|
| EUR | 41 | 42 | 42.5 | 43 | 44 | 45 | 45.5 | 46 |
| US | 8 | 8.5 | 9 | 9.5 | 10 | 10.5 | 11 | 11.5 |
| UK | 7 | 7.5 | 8 | 8.5 | 9 | 9.5 | 10 | 10.5 |
| Length(cm) | 26 | 26.5 | 27 | 27.5 | 28 | 28.5 | 29 | 29.5 |
Women's clothing
 |
Apparel | ||||||
|---|---|---|---|---|---|---|---|
| XS | S | M | L | XL | XXL | ||
| Chest (1) | 31 - 33" | 33 - 35" | 35 37.5" | 37.5 - 40" | 40.5 - 42.5" | 42.5 - 45" | |
| Waist (2) | 23 - 25" | 25 - 27" | 27 - 29.5" | 29.5 - 32" | 32 - 34.5" | 34.5 - 37" | |
| Hip (3) | 33 - 35" | 35 - 37" | 37 - 39" | 39.5 - 42" | 42 - 45" | 45 - 47.5" | |
| Inseam (4) | 29" | 29.5" | 30" | 30.5" | 31" | 31.5" | |
|
Gloves | |||
|---|---|---|---|---|
| S | M | L | ||
| Inch | 6.5 - 7.25 | 7.25 - 8" | 8 - 8.75" | |
| CM | 16.5 - 18.4 | 18.4 - 20.3 | 20.3 - 22.9 | |
| EUR Size | 6.5 - 7 | 7.5 - 8 | 8.5 - 9 | |
| Footwear | ||||||||
|---|---|---|---|---|---|---|---|---|
| EUR | 37 | 37.5 | 38 | 38.5 | 39 | 40 | 40.5 | 41 |
| US | 6 | 6.5 | 7 | 7.5 | 8 | 8.5 | 9 | 9.5 |
| UK | 3.5 | 4 | 4.5 | 5 | 5.5 | 6 | 6.5 | 7 |
| Length(cm) | 22.5 | 23 | 23.5 | 24 | 24.5 | 25 | 25.5 | 26 |
Kids
| Apparel | ||||
|---|---|---|---|---|
| S | M | L | XL | |
| Age | 7/8 yrs | 10 yrs | 12 yrs | 14 yrs |
| Chest | 25 - 26.5" | 26.5 - 28.5" | 28.5 - 29.5" | 29.5 - 32" |
| Waist | 23 - 24.5" | 24.5 - 25.5" | 25.5 - 26.5" | 26.5 - 28.5" |
| Height | 48 - 54" | 54 - 57" | 57 - 60" | 60 - 62" |
| Weight | 49 - 59lbs | 59 - 75lbs | 75 - 89lbs | 89 - 100lbs |
Unisex
Arm Length is measured shoulder to wrist with arm bent at 90deg
**: Knee and Leg length is measured according to garment length.
*: Circumference
|
Knee Warmers | |||||
|---|---|---|---|---|---|---|
| XS | S | M | L | XL | ||
| Length ** | 14.25" | 15.25" | 16.25" | 17.25" | 18.25" | |
| Thigh (b)* | 19.5" | 21.25" | 23" | 24.75" | 26.5" | |
| Calf (c)* | 13.25" | 14" | 14.75" | 15.5" | 16.5" | |
|
Arm Warmers | |||||
|---|---|---|---|---|---|---|
| XS | S | M | L | XL | ||
| Arm Length (a) | 23.5" | 24" | 24.5" | 25.25" | 26" | |
| Bicep | 12" | 12.5" | 13" | 13.5" | 14.25" | |
| Wrist | 6.75" | 7" | 7.25" | 7.5" | 7.75" | |
|
Leg Warmers | |||||
|---|---|---|---|---|---|---|
| XS | S | M | L | XL | ||
| Length ** | 23" | 24" | 25" | 26" | 27" | |
| Thigh (b)* | 19.5" | 21.25" | 23" | 24.75" | 26.5" | |
| Ankle (c)* | 9" | 9.5" | 10" | 10.5" | 11" | |
| Socks | ||||
|---|---|---|---|---|
| S | M | L | XL | |
| US Mens | n/a | 6 - 8 | 8 - 10 | 10+ |
| US Womens | 5 - 7 | 7 - 9 | 9+ | n/a |
| EUR | 35 - 38 | 38.5 - 41 | 41 - 44 | 44+ |
| UK | 2.5 - 4 | 4.5 - 6.5 | 7 - 10 | 10+ |
| Overshoes | |||||
|---|---|---|---|---|---|
| S | M | L | XL | XXL | |
| US Mens | < 6 | 6.5 - 8 | 8.5 - 10 | 10.5 - 12 | 13+ |
| US Womens | < 8 | 8.5 - 10 | 10.5 - 12 | n/a | n/a |
| EUR | < 39 | 39.5 - 42 | 42.5 - 44 | 44.5 - 46 | 46.5+ |
| UK | < 5.5 | 6 - 7.5 | 8 - 9 | 8.5 - 11 | 10+ |
Finance* from £53.27 per month*subject to status, minimum spend applies
Click here for full details.
Viewing on a mobile? Flip to Landscape to see all info.
Finance Illustrations
Other finance options may be available to you at checkout. All finance is subject to status, minimum spend applies.| Lowest monthly payment | Classic Credit 36 Months 15.9% (Minimum goods total £1499.00) |
|---|---|
| Cash Price | £1710.99 |
| Minimum Deposit | 10% |
| Deposit to Pay | £171.10 |
| Loan | £1539.89 |
| Duration (Months) | 36 |
| 36 Monthly Payments of | £53.27* |
| Cost of Credit | £377.83 |
| Rate of Interest (fixed) | 15.9% |
| APR Representative | 15.9% APR Representative |
| Total Amount Payable | £2088.82 |
| Lowest borrowing cost | Interest Free Finance (12 Months) (Minimum goods total £999.00) |
|---|---|
| Cash Price | £1710.99 |
| Minimum Deposit | 10% |
| Deposit to Pay | £171.10 |
| Loan | £1539.89 |
| Duration (Months) | 12 |
| 12 Monthly Payments of | £128.32* |
| Cost of Credit | £0.00 |
| Rate of Interest (fixed) | 0% |
| APR Representative | 0% APR Representative |
| Total Amount Payable | £1710.99 |
*Final payment may be slightly higher or lower than quoted: this will be made clear in your loan documents prior to you signing the agreement
Note: Selecting other items in our site may affect which finance options are available to you. Add your preferred items to your basket and visit the checkout. You can see which options your selected products qualify for before giving us any personal details.
Representative example
Cash price £800.00, Deposit £88.00. Total amount of credit £712.00 over 48 months with an annual interest rate of 15.9% (Fixed).
Monthly repayments will be £19.76 with a total repayable of £1036.48. 15.9% APR representative.
The above representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.
Singletrack Bikes is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, (FRN 726355). We do not charge you for credit broking services.
Finance is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: Yorke House, Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised and regulated by the Financial Conduct Authority (FRN 204550). For more information please visit www.v12retailfinance.com.
Credit subject to status, UK only 18+
Missed or late payments will result in fees and additional interest on your loan and can also affect your credit file and your ability to obtain credit in the future.
v12Finance is the trading name of Secure Trust Bank Plc, which acts as a credit broker, not a lender.