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
• e 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.

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.

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.

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.