0% APR Finance with Just a 10% Deposit
Looking to spread the cost of your new road, mountain, electric or commuter bike?
We’ve partnered with Novuna Personal Finance to offer flexible payment options both online and in-store.
✔ 0% APR available over 6, 12, 18 or 24 months
✔ Interest-bearing finance available over 12, 24, 36 or 48 months
✔ Only 10% deposit required
✔ Minimum spend £675
Finance makes it easier to get the bike you want — without the upfront hit.
Please note: 0% finance may not be available on selected discounted products.
Finance Options at a Glance
| Term (Months) | APR | Deposit |
|---|---|---|
| 6, 12, 18, 24 | 0% | 10% |
| 12, 24, 36, 48 | 15.9% Representative | 10% |
Credit subject to status and affordability. Terms & Conditions apply.
Finance is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority (FRN 704348).
The Financial Services Register can be accessed at www.fca.org.uk.
Interest-Bearing Finance (15.9% APR Representative)
Spread the cost over 12, 24, 36 or 48 months.
To apply:
- Spend £675 or more
- Pay a 10% deposit
- Finance a minimum of £607.50
Example Repayments
| Order Value | Term | Deposit (10%) | Monthly Payment |
|---|---|---|---|
| £1,250 | 36 months | £125 | £38.91 |
| £2,000 | 48 months | £200 | £49.96 |
Representative Example (Interest Bearing)
- Cash Price: £2,000
- Deposit: £200
- Amount of Credit: £1,800
- Term: 48 months
- APR: 15.9% Representative
- Interest Rate: 15.9% p.a. (fixed)
- 48 Monthly Payments of: £49.96
- Total Amount Payable: £2,397.87
0% Interest-Free Finance
Available over 6, 12, 18 or 24 months.
To apply:
- Spend £675 or more
- Pay a 10% deposit
- Finance a minimum of £607.50
Example Repayments
| Order Value | Term | Deposit | Monthly Payment |
|---|---|---|---|
| £1,000 | 12 months | £100 | £75.00 |
| £1,000 | 18 months | £100 | £50.00 |
| £1,000 | 24 months | £100 | £37.50 |
| £3,500 | 18 months | £350 | £175.00 |
| £3,500 | 24 months | £350 | £131.25 |
With 0% finance, you pay no interest — just the bike, split into manageable payments.
How to Apply
Online:
Add your items to the basket, select the finance option at checkout, and complete the secure online application.
In-store:
Let one of our team know you’d like to pay by finance and we’ll guide you through the process.
Applications usually take just a few minutes, and you’ll often receive a decision quickly.
Once approved, you can e-sign your agreement or print and return it. Goods are dispatched once your signed agreement has been received and processed.
Finance FAQ
Who can apply?
You must:
- Be 18 or over
- Be a UK resident (minimum 12 months)
- Work at least 16 hours per week, or be retired with an income
- Have a UK bank account
Unfortunately, finance is not available to residents of the Republic of Ireland.
When do repayments start?
Your first repayment will be taken approximately one month after your purchase has been delivered.
Are there any hidden fees?
No. There are no arrangement fees or hidden extras.
What happens if my application is declined?
Applications are assessed using credit scoring and checks with credit reference agencies. If declined, you may reapply after 6 months, as circumstances can change.
Need Help?
If you have any questions about finance, call us on 01363 774773 and our team will be happy to help.