0% Finance is an excellent way to spread the cost of payments on your new bike. We offer up to 36 months 0% Finance on qualifying full price bikes and we are now offering Classic Credit (15.9% APR) on sale bikes.
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 £275 and up
We offer 12 months 0% finance on bikes £275 and up
We offer 18 months 0% finance on bikes of £500 and up
We offer 24 months 0% finance on bikes of £1000 and up
We offer 36 months 0% finance on bikes of £2000 and up
Examples of 0% Finance
Bike cost of £300 with a 10% deposit of £30 = £270 to pay over 6 months @ £45 per month
Bike cost of £450 with a 10% deposit of £45 = £405 to pay over 12 months @ £33.75 per month
Bike cost of £900 with a 10% deposit of £90 = £810 to pay over 18 months @ £45 per month
Bike cost of £1500 with a 10% deposit of £150 = £1350 to pay over 24 months @ £56.25 per month
Bike cost of £2000 with a 10% deposit of £200 = £1800 to pay over 36 months @ £50 per month
Apply online for an instant decision!
Bikes qualifying for 0% finance feature the red 0% Finance Available button on the product description page(see guide example below).
Please note if you intend to collect a bike in store please do not apply for finance through our website!
We are now offering Classic Credit(15.9% APR) on sale bikes. This means you can take advantage of our excellent sale prices and spread the payments over 12, 24 or 36 months with a 10% deposit.
Examples of Classic Credit
Bike cost of £1000 with a 10% deposit of £1000 = £900 to pay over 24 months @ £43.57 per month. Total payable amount of £1145.68
Bike cost of £500 with a 10% deposit of £50 = £450 to pay over 36 months @ £15.57 per month. Total payable amount of £610.52
Eligibility for credit
In order to apply for credit with V12 Finance you must:
- be at least 18 years of age and under 75 years of age
- be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age; or 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.
Who provides the finance?
Our finance provider is V12 Retail Finance. V12 Retail Finance is the UK's only specialist Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through our long-term dedicated funding lines.
A little bit of history about V12 Retail Finance
V12 is an independent company that has pioneered multichannel accessibility and functionality in the Retail Finance sector through its market leading online software system. We are proud of our innovative approach, which has seen V12 lead the way in the Retail Finance market and forge long-lasting, mutually profitable relationships with our retail partners.
In 1995, V12 was the first lender to launch into the Healthcare sector with specialist Dental Finance. We were the first to offer a multi-spend interest free finance agreement, the first to develop real-time credit application processing, and in 2006 the first to develop a specialist credit application system for Mail Order sales. More recently, we’re delighted to be launching eSign, our eSignature system that allows customers to confirm they’ve signed a credit agreement electronically – another simple and effective solution from V12.
Contact V12 Finance
We're here to help, and welcome any questions or queries you may have about our Retail Finance products and services.
Call us on 02920 468900 to speak to one of our Client Team.
If you are a customer with a loan with V12, please email email@example.com - we also have a website for you at www.v12personalfinance.com
V12 Retail Finance Limited
20 Neptune Court