Interest Free Finance for your bike purchase

0% finance is an excellent way to spread the cost of payments on your new bike or accessories. We offer up to 24 months 0% finance on qualifying full-price bikes and we are now offering Classic Credit (19.9% APR) on sale bikes. Our preferred partner is V12 Retail Finance.

Please Note – 0% Finance is not available on sale, cycle scheme or discounted models unless otherwise stated.

We offer:

6 months  0% finance on bikes £700 and up
12 months 0% finance on bikes £1000 and up
18 months 0% finance on bikes £2500 and up


Length of contract     Bike cost    Deposit payable     Still to pay      Monthly payments
6 Months                      £700                 £70                     £630                 £105
12 Months                    £1000               £100                   £900                 £75
18 Months                    £2500               £250                  £2250                £125
18 Months                    £4000              £400                  £3600               £200

Classic Credit

To help pay for bikes and accessories on a special offer or on sale, we can offer an interest-bearing credit at 19.9% over 24 or 36 months with a 10% deposit.


Length of contract        Bike cost     Deposit payable     Still to pay       Monthly payments      Total payable (excluding deposit)
24 Months                 £1000                £100                    £900                     £44.96                       £1079.10
36 Months                 £500                  £50                      £450                     £14.94                        £537.75


In order to apply for credit with V12 Finance you must:

  • Be between 18 and 75 years of age
  • Be either in full-time employment (16 hours or more per week), self-employed, retired and over 50 years of age or be in receipt of an invalidity or disability allowance
  • Be a UK resident
  • Be able to make repayments by direct debit
  • Provide your previous address if you have lived at your current address for less than 3 years.


Any bike purchased using finance must be delivered to the applicant’s home address. This is a legal requirement when a finance contract is in place – it helps protect customers from fraud and identity theft.