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20% Off All Cube 2016 Bikes View The Range
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0% Finance Bikes at Hargroves Cycles

Pay monthly and spread the cost of your bike or any qualifying product.

At Hargroves Cycles purchasing with finance couldn’t be easier, enabling you to spread the cost of your new bike or cycling equipment from 6 to 36 months and pay nothing in interest.
We offer finance options on all bikes over £275.00 and depending on the items you've selected, you could be presented with either interest free 0% finance or our Classic Credit option

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!)

Classic Credit

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 no deposit to pay.

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.

Frequently asked questions

Do i qualify?
  • You are over 18 and in receipt of a regular income
  • You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years
  • 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

Meeting this criteria does not guarantee acceptance. Applications from students (unless employed at least 16 hours per week), or unemployed single house persons will not be considered. Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

How quickly will my application be approved?

All finance decisions will be made within a few minutes. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery.

Will you search my credit score?

Yes. Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, disability or colour.

Why was I declined?

In addition to credit scoring, confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies are all taken into account. Though you will not be provided with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders
Can I re-apply if my finance application is unsuccessful?

Yes. We acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. We do suggest, however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant.

Can I change my order after applying for finance?

To ensure your chosen products are correctly delivered to you, if you need to change your order in any way, we will need to cancel your order and re-key it as if it were new. We apologise for any inconvenience this may cause. If you've already received confirmation of approval for online finance via Rutland Cycling, 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.

Finance Calculator

1. Enter the bike price

£

2. Choose a finance option

3. Select amount to pay as a deposit

Classic Credit 12 Months 15.9%

Deposit £0.00
Monthly Repayment £0.00
Cash Price £0.00
Amount of Credit £0.00
Total Repayable £0.00
Agreement Duration 12 Months
Rate of Interest 15.9%
 Bike Finder
Find A Bike on Finance

Find The Right Finance Bike For You

Use our handy bike finder to help find what your looking for quicker

V12 RETAIL 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.

CONTACT

TEL: 02920 468900

EMAIL: customerservices@v12finance.com

ADDRESS:
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ