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0% interest monthly finance is offered against the normal retail price (not sale items).  Therefore, any orders placed online that are purchased at sale price will require an additional 10% fee.

More information about Pay by Monthly Finance

There is no minimum deposit but you can pay a higher deposit if you wish, and the remaining amount to finance must have a value of at least £500.

Finance option at checkout will become available for orders once the value of the basket qualifies (a value of £500 or more) with the minimum purchase amount.

Credit is available to permanent UK residents only.

Monthly payments are arranged with Hitachi Finance.  If you select the option to pay by finance at checkout, you will be automatically redirected to Hitachi Finance to complete the order.

Unless otherwise stated, our standard facility where you can apply for monthly finance at our checkout online is based upon Interest-Free Finance at a rate of 0% APR.

Interest Free Finance (our standard finance)

Up to 36 months 0% APR representative interest free finance

Spread the cost with our interest-free credit available online and in-store.

Our simple finance option allows you to spread the cost of purchases into monthly payments debited from your account.

All you need to do is spend a minimum of £500 or more.

  • Interest free monthly finance is available at a rate of 0% on orders of £500 and above.  You can select the time-period you wish to make repayments during checkout.  Information on repayment amounts will be displayed in full during the checkout process.

The example below shows you how much monthly repayments will be based on the total order value.

For help with your finance please call 01257 794991

Example Interest Free 0% APR (over 24 months)

Total Purchase Price of bike: £1,000.00
Card Based Deposit (0%): £0.00
Finance Amount: £1000.00

APR Representative: 0% APR
Length of Loan (term): 24 months
Monthly Amount To Pay: £41.66
Total Interest over 2 years: £0
TOTAL FINANCE REPAYABLE: £1000.00
Total cost (incl deposit):£1000.00

Finance FAQ

How do I choose to pay by Finance?

If your basket total is at least £500 you just need to select the 'Pay by Finance' option on the checkout page or let the sales consultant know if you're buying in our showrooms.

Who is eligible to apply for online finance?

To apply for finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however we will require the employment details of your spouse in order to process your application.

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.

Credit subject to status and affordability. Terms & Conditions Apply.  Cortongen Ltd Trading as buyabike.co.uk are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC Authorised and Regulated by the Financial Conduct Authority.

Applying for online finance

When you buy online from Cortongen Ltd trading as buyabike.co.uk you have the choice of applying for instant finance by adding your purchase to the shopping basket, selecting the option to PaybyFinance, and completing a finance application form.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will receive an e-mail advising you of how to download the finance agreement. Please read this carefully checking that all the details are correct, then either e-sign the agreement, if offered, or print and sign the finance agreement twice. Post the document to the address shown on the finance agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be made available/dispatched.

Applying for online finance couldn't be easier or more convenient. Once you've chosen the products you'd like to purchase, simply complete a brief online application form accessed via the 'checkout'. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Your questions answered

Here's some of the most commonly asked questions regarding online finance.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement Cortongen Ltd trading as buyabike.co.uk will be notified and you need do nothing more. If you are presented with the ability to print and return your credit agreement you should print the PDF agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the credit agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Capital. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Will your credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

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