0% Finance Available

We offer 0% typical apr finance on all orders over £275! This means you can get 0% finance on bikes, clothing, parts and accessories; basically everything on our website so long as the total comes to £275 or more! With our partners, V12 bike finance has never been so easy. You can split your payments and manage the cost of whatever you buy.

Our 0% Finance is easy and you can apply in store or over the phone:

  1. Choose the items you want to order with 0% Finance
  2. Pay a minimum 10% deposit (pay a bigger deposit to bring your monthly payments down)
  3. Apply for 0% Finance online or in-store (see instructions below)
  4. Pay the balance over monthly instalments

Here is an example of how our 0% finance works:

  • Cash price (inc. delivery & VAT): £1000.00
  • 10% Deposit (minimum required): £100
  • Outstanding balance: £900
  • Interest at 0% APR: £0.00
  • 12 Monthly Payments of: £75

While we continue to develop our online application system, please call 01244 317 893 to apply. Or visit us in store.

In order to apply for credit with V12 Finance you must:

  • be at least 18 years of age and under 75 years of age
  • be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age;or in receipt of an invalidity or disability allowance
  • be a UK resident
  • be able to make repayments by direct debit provide your previous address if you have lived at your current address for less than 3 years

Our finance provider is V12 Retail Finance. V12 Retail Finance is the UK's only specialist Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through long-term dedicated funding lines.


TEL: 02920 468900

EMAIL: customerservices@v12finance.com

V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ