Specialized Riprock 20

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

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:

1. Spend £675 or more
2. Pay a 10% deposit
3. Finance a minimum of £607.50

Example Repayments

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:

1. Spend £675 or more
2. Pay a 10% deposit
3. Finance a minimum of £607.50

Example Repayments

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.

Here at the Bike Shed we always strive to offer value for money and offer friendly expert advice on the best quality products we can source.

We are great supporters of shopping locally due to the benefits it has on our local economy, employment, and community. However, we do not want to see you disadvantaged by choosing to shop with us and we, therefore, will match any UK based competitors’ prices on the following conditions:

• The product must be available with the UK supplier even if discontinued or an older model.

• If assembly is required there may be an additional charge for this.
Please note: If the Bike Shed assembles your bike not only will your warranty be more robust you also qualify for a free first service with us.

• We reserve the right to contact the seller to verify the price/availability/accuracy etc.

• Used, ex-demo, ex-display, returns, and all online auction sites do not qualify.

Where the item does not match the above, we still attempt to be competitive in terms of price, quality, and service.

We reserve the right to decline the price promise at our own discretion

Buy a bike from the Bike Shed and your first service is on us!

Simply arrange a convenient time with your local store and our bike mechanics will give your bike a thorough check and tune up to ensure you're riding as smoothly and efficiently as possible.

Your free service needs to be taken between approximately 6 weeks and a maximum of 3 months from the date of purchase.

Please note: To qualify for the free service you are responsible for bringing your bike into a store. Unfortunately collections are not possible.

Looking for a more comprehensive service? Check out our workshop page for more details