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Buy A Bike

V12 Retail Finance.

Up to 36 months 0% APR representative interest-free finance, available credit options will be shown within the details page for each bike, if in doubt call for details.
If you're spending more than £399 at Buy A Bike, why not spread the cost with 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
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 v12. 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 V12 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, V12 Retail Finannce, 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 V12 directly. More detail can be found at

Finance example

Product value is £3000.00