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Bike Finance at Hargroves Cycles

Purchasing with finance couldn’t be easier at Hargroves Cycles. Whether you’re looking to finance a new bike or cycling equipment, you can spread the cost of your new products from 6 to 48 months.
Our finance options are available on all products over £275, and dependent on the product you’re choosing, you could be presented by either our Interest Free or 15.9% Classic Credit options.

road bike finance

Road Bike Finance

Looking for the ultimate road bike to help you take on the tarmac? Check out our huge range of road bikes available on 0% finance.

View Road Bikes
mountain bike finance

Mountain Bike Finance

Whether you’re looking for a full sus or hardtail, and a 650b or a 29er, we stock a great range of mountain bikes available on 0% finance, from top name brands like Specialized, Scott, Cube and Cannondale.

View Mountain Bikes
electric bike finance

Electric Bike Finance

Looking for an easier commute to work? Or need an extra boost on the trails? Our hybrid and electric mountain bikes are available on 0% finance, meaning you can spread the cost of your new purchase, up to 36 months.

View Electric Bikes
Instant Online Decision

Instant Online Decision

All items available with finance will display messaging containing further information on all available options.

Add Parts,Clothing & Accessories

Add Parts,Clothing & Accessories

Buy a product eligible for finance, and add anything else to the same application

No deposit finance

No deposit required

Get the bike of your dreams with no deposit to pay (but the higher the deposit the lower the monthly repayments!)

Find the perfect deal for your budget

Use the calculator below to get an idea how much your monthly repayments might be.

0% Finance At Hargroves Cycles

Spread the cost without paying anything extra

With our 0% APR finance option, you can spread the cost of your new products without having to pay a penny back in interest. With no deposit required, and with monthly payments available from 6 to 36 months, this really is the best deal for your wallet.

Bike Finance At Hargroves Cycles

Longer term, lower monthly repayments

If you’re looking for smaller monthly payments over a longer period of time, our Classic Credit option is the one for you.

How To Purchase On Finance

Buy With 0% Finance

Step 1. Add items to your basket

All items available with finance will display messaging containing further information on all available options.

Checkout using V12 Retail Finance

Step 2. Checkout using V12 Retail Finance as your payment method

Choose from the range of finance options available to you. You will be given a breakdown of your monthly payment, deposit due and the overall cost of your purchase.

online finance application

Step 3. Complete your online finance application

A quick and easy process that takes just minutes to complete. As soon as your application is approved we'll process your order.

Enjoy your purchase

Step 4. Wait for your goodies to arrive

This is probably the hardest part, but don't worry your patience will be rewarded with shiny new things.

Finance FAQs

You can either apply for finance in one of our stores, or online.

We offer finance on bikes over £275.

To apply for bike finance, you must:

  • Be over the age of 18, and be in receipt of a regular income
  • Have a good credit score with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies
  • Be a permanent UK resident and able to supply a UK address history for the last 3 years
  • Be either: in full time employment (more than 16 hours a week) ; or self-employed ; or retired (and over the age of 50) ; or in receipt of invalidity or disability allowance.

Just by meeting the criteria set out above does not guarantee acceptance. Please note that students (unless employed for more than 16 hours a week) and unemployed single house persons will not be considered.
Retired individuals, and those in receipt of a private or company pensions are welcome to apply for finance.

Yes. To enable our finance company to review your application, your credit score will be checked to evaluate your credit risk. Credit scoring works by awarding points for each answer given on the application form, such as age, income and occupation as well as information obtained by credit reference agencies.
Credit score does not discriminate on the grounds of sex, gender, religion, race, disability or colour.

Decisions are usually made within a few minutes. Once your application has been approved, we will contact you (during working hours Monday to Friday) to arrange delivery.

If your application has been declined, it is normally due to one, or a combination of the following:

  • Your credit score (please note that every will score you differently)
  • Your age (for example being under 18)
  • Your existing account performance with existing lenders
  • Adverse credit reference agency information

Yes. Just because one of your applications may have previously been declined, finance companies acknowledge that circumstances change, and therefore allow further applications. However, it is advised that you wait at least 6 months before trying to apply again.

To safeguard against fraudulent applications, delivery is only allowed to the home address of the applicant.

If you change your mind and want to change your products, we will need to cancel your initial order and create a new one with your new products; this is to ensure your chosen products are delivered correctly.
If you've already received confirmation of approval for online finance via Hargroves Cycles, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way.