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Interest Free Finance - Available in store or via web link

If you're spending more than £499 at Buy A Bike, why not take advantage of our interest-free credit? Use a chip and pin card to pay a minimum deposit, then spread the balance between 12 and 36 months! Conditions apply.

How To Apply - Find a bike you like, send us a message to, use our contact form, call 01257 794991, or visit our Buy A Bike store. For email or phone enquiries, we will check the availability of the bike and send you an online application form for you to complete at your leisure. In store, you can complete the application on our finance pc, it takes no longer than 5 minutes. You'll need to be able to provide some information, such as your home address and details of employment.

Up to 12-36 months 0% APR representative interest-free finance, call for details

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.

12 months 0% APR representative Figure:

12 months interest-free credit

Purchase amount


10% Deposit (to be paid now)


Amount of credit


12 Monthly Payments of


APR Representative


Interest Amount


Total Amount Payable


How to Apply

In-store: Visit Buy a Bike outlet with a chip and pin enabled credit or debit card. You'll need to provide a few details such as your addresses for the past three years, your bank account details (for the repayment direct debit) and your employer's name and address. You may also need a suitable photo ID such as a driving license with you for further checks if needed.

Telephone: Call 01257 794991. Our sales department will take some details from you. Then you will receive an application link to complete the finance offering online. After this, you will receive confirmation from Buy a Bike and from our finance providers Klarna Uk Limited. Please note that goods can only be delivered to the finance address or collected in store.

Am I Eligible?

To be considered for interest-free credit, our credit finance providers Klarna UK Limited have the following requirements:

  • Aged between 18 and 75 at the start of the agreement.
  • Applicants must be able to provide previous address details for the last three years.
  • Applicants must have a bank account that supports direct debit.
  • Applicants must be either full time/part time employed (more than 16 hours per week), self-employed, retired and over the age of 50 and living with a working partner, or in receipt of disability allowance.

Credit Check

Our credit finance providers, Klarna UK Limited, use a credit check agency to check your credit rating before making a decision and the credit check agency may keep a record of the credit check.

When do repayments begin?

All monthly payments are paid by direct debit from the applicant's bank account. Typically, the 1st payment will be due on or around one month after the date of the finance agreement being put in place and all subsequent monthly payments will be due every month for the length of your term on that same day every month. Please have sufficient funds in place for 7 days either side of your expected 1st payment. We cannot legislate for any changes due to weekends/bank holidays.

Declined Applications

If your finance application is declined, please be aware that we are unable to provide any further information about this decision. If you have any questions, please contact the Klarna Uk Limited directly. More detail can be found at


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