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Bike Finance

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

0% APR at Hargroves Cycles

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 £300.00 and depending on the items you've selected, you could be presented with either interest free 0% finance or our Classic Credit option.

Please note finance is available for UK customers only.

Instant online decision All items available with finance will display messaging containing further information on all available options

Only 10% deposit required Get the bike of your dreams with as little as 10% deposit to pay (but the higher the deposit the lower the monthly repayments!)

Not just for bikes You can get finance on other items that qualify for minimum order value.

Typical deals

Spread the cost with our 0% APR interest free finance option with as little as a 10% deposit. With our most popular finance option you don't pay any interest at all for the entire duration of the loan period

0% interest for 12 months Spread the cost without paying anything extra

Spread the cost with our 0% APR interest free finance option with as little as a 10% deposit. With our most popular finance option you don't pay any interest at all for the entire duration of the loan period

You're getting the best deal with 0% bike finance.

15.9% interest for 36 months Longer term, lower monthly repayments

If you're looking for the lowest monthly repayments so your dream bike doesn't get in the way of your finances, then choose a 14.9% APR finance.

Long repayment plans up to 48 months offer the most affordable monthly package.

Finance Availability Table

The table below shows what options are available based on the minimum price of a bike. Some finance products and terms are not applicable if a product has exceeded a discount threshold.

  • 20% discount and above - 14.9% apr finance available
Finance Product & Term Min Spend
£300
Min Spend
£500
Min Spend
£1200
Min Spend
£2000
12 months 0% apr
Any discount

up to 10% discount

up to 10% discount

up to 10% discount
18 months 0% apr
up to 10% discount

up to 10% discount

up to 10% discount

up to 10% discount
24 months 0% apr
up to 10% discount

up to 10% discount

up to 10% discount

up to 10% discount
36 months 0% apr
up to 10% discount

up to 10% discount

up to 10% discount

up to 10% discount
48 months 14.9% apr
All terms 14.9% apr

How to apply

Applying for bike finance is quick and easy in 4 simple steps. The whole process only takes a few minutes.
Shop

Find your dream bike or any other items, all orders over £300 are eligible for finance

Choose finance

At checkout choose the finance option, you will be taken offsite to our finance provider Klarna.

Apply

Fill in your application, choose your deposit and term, a decision is typically made in a few moments

Get riding

As soon as your application is approved your order will be processed and shipped.

Frequently asked questions

Do I qualify for finance? How quickly will my application be approved? Will you search my credit score? Why was I declined? Can I re-apply if my finance application is unsuccessful? Can I request delivery to an address other than my home? Can I change my order after applying for finance?

What our customers say

Hargroves Cycles Ltd is an introducer of regulated credit products provided exclusively by Klarna. Finance is only available to permanent UK residents aged between 18-75, subject to status, terms and conditions apply