Bike Finance
Pay monthly and spread the cost of your bicycle or any qualifying products
Spread the cost of your next purchase
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 48 months. 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.
If you choose click and collect, finance will not be available. Finance payments can be arranged in store
From | Duration | APR |
£500 | 6, 12 months | 0% |
£1000 | 18, 24 months | 0% |
£3000 | 36 months minimum 20% deposit required | 0% |
£500 | 24 months | 9.9% |
£500 | 36 months | 9.9% |
£250 | 12, 24, 36 or 48 months | 15.9% |
*Please Note - 0% finance plans will generally not be available on discounted items. Please check on an items product page or in the checkout for available finance options.
Monthly Budget Calculator
Not sure what bikes are in your budget? Use this simple calculator to give you a guide to what bike you could afford based on the monthly cost. The higher the deposit that you pay up front the lower your monthly repayments will be.
Klarna
Orders between £40 to £1000 can be placed using Klarna. You can either choose to pay in three equal instalments or defer the payment for 30 days. Either option has no additional fees attached and you will only pay the listed price for your items. To find out more about Klarna visit our page explaining the service in more detail.
Pay in 30 days
Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees. No impact to your credit score.
Paying after delivery allows you to try before you buy and is the easiest way to shop online.
- Complete the payment in full after purchase at no added cost.
- Report returns directly in our app and only pay for the items that you keep.
- Not making your payment on time could affect your ability to use Klarna in the future.
- Debt collection agencies are used as a last resort
- You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions
Pay in 3 interest-free instalments
Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score. No interest. No fees. No impact to your credit score.
- A new way to pay that's an alternative to a credit card.
- 3 instalments gives you flexibility to shop without interest or hidden fees.
- Not making your payment on time could affect your ability to use Klarna in the future.
- Debt collection agencies are used as a last resort.
- You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions
Disclaimer
At Hargroves Cycles we always recommend that a customer should reflect and be aware of all terms & conditions before purchasing with finance. Whether it's a short installment based arrangement or a 36 month agreement all finance products come with risk to the consumer. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.
There are a number of independent organisations that can offer free, impartial advice on money and debt issues. The links below may be useful if you find yourself affected by these issues.
MoneyHelper
Citizens' Advice Bureau
National Debt Line
Stepchange
Consumer Credit Counselling Service
V12 TERMS AND CONDITIONS
Please note that interest-free credit is not offered on all products Some exclusions may apply.
0% Finance is not available on sale, Cyclescheme or discounted models unless otherwise stated.
V12 Classic Credit is available for items discounted from MSP & those marked at the RRP, interest is charged at 15.9% APR and can be spread over 12, 24, 36 & 48 months.
You must be a permanent resident of the United Kingdom and must have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of Eire. In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk
Hargroves Cycles acts as a credit broker and not a lender and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. Hargroves Cycles, Company number: 3690687 Vat No: 411 9562 62 Country of Registration: England Registered Office: The Quay, 30 Channel Way Ocean Village Southampton Hampshire SO14 3TG; authorised and regulated by the Financial Conduct Authority. Credit provided subject to status.
FCA Firm reference number 690183 - Details of our FCA registration can be found Here