You can get your dream bike along with all of the added extras you desire in one easy finance package. You can apply online or in-store at any of our 5 stores.

Simply spread the cost of your new bike or equipment over 6 to 48 months, terms and conditions apply, finance subject to status.

We offer up to 24 months Interest-free finance and V12 Classic Credit for 36 months on full RRP items and for discounted items we offer up to 48 months V12 Classic Credit. Some exclusions may apply.

Finance cannot be used in conjunction with any other offer or a Cycle to Work Scheme.

A minimum deposit of 20% of the order value is required on all finance offerings.

Please see table below for further details.

Full RRP Bikes Min deposit Min loan Max Loan
12 Months 0% APR Finance 20% £500.00 £15000.00
24 Months 0% APR Finance 20% £1000.00 £15000.00
Classic Credit 36 Months 9.9% APR Finance 20% £250.00 £15000.00


Discounted Bikes Min deposit Min loan Max Loan
Classic Credit 12 Months 15.9% APR Finance 20% £250.00 £15000.00
Classic Credit 24 Months 15.9% APR Finance 20% £250.00 £15000.00
Classic Credit 36 Months 15.9% APR Finance 20% £250.00 £15000.00
Classic Credit 48 Months 15.9% APR Finance 20% £250.00 £15000.00

REPRESENTATIVE EXAMPLE for a full price bike purchased using Interest Bearing Finance 36 months 9.9% APR

Purchase Price  £2,000.00
Amount of Deposit  £400.00
Total Amount of Credit  £1,600.00
Loan Term 36 months
Rate of Interest 9.9%
Monthly Repayment  £51.24
APR Reprensentative 9.9%
Total Cost of Credit  £244.49
Total Amount Repayable  £1,844.49

How to apply online

Simply select V12 Finance at checkout, complete your online finance application and receive a decision within minutes. If your application is approved we will process your order.

Want to arrange Finance in store? No problem.

Our friendly and experienced staff are on hand to help, we will create your application with V12 and then over to you to complete the online form in store.

It takes around 15 minutes to apply for finance and if approved you will be able to walk away with your bike the same day!

Who can apply?

To apply for finance, you must satisfy all the following criteria.

• Be 18 or older.
• Either you or your partner must be in permanent paid employment, self employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit.
• Been a resident in the UK for at least 3 years.
• Have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable).
• Have Bank or Building Society current account available, to complete the direct debit instruction.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

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

No. In order to safeguard against fraudulent applications, we are only able to deliver goods to the home address of the applicant.

Can I return or exchange an item on Finance?

Yes. You can return any item on finance. Once the returned goods are received and processed, we will contact V12 to cancel the application. V12 will refund any instalments made under the finance agreement along with the deposit.

We can exchange a product for one of the same value, with no amendment necessary with V12.

For further information on Returns & Exchanges please click here.


Credit is provided subject to affordability, age and status. Minimum spend applies.

6 and 12 month term products are unregulated and therefore the FCA’s DISP rulebook and the Financial Ombudsman Service do not apply.

We do not receive any commission from V12 for introducing customers to them.