0% Finance to spread the costs and ride away today!
High Peak Cycles makes buying a bike as simple and accessible.  We are able to offer 0% finance on purchases over £350 with a small 10% deposit.

At present finance can only be completed in our store.
Decisions are made nearly instantly in the shop so no waiting.  If you decide you do not want to take the finance option you can still pay with other methods.

To apply for finance you must be:

At least 18 years or older
A permanent UK resident
In regular employment
Pay a 10% deposit

Now you can buy the bike you really want

Finance Examples

6 Month 0% on purchases of £350 or more

Example You buy a bike for £400

Total Bike Cost £400

10% deposit balance

Deposit Amount £40

Loan Amount £360

Payments £13.85 a week

Payment Term 6 months

Interest 0%

12 Months 0% on purchases of £500 or more

Example You buy a bike for £750

Total Bike Cost £750

10% deposit balance

Deposit Amount £75

Loan Amount £675

Payments £12.98 a week

Payment Term 12 months

Interest 0%

18 Months 0% on purchases of £1000 +

Example You buy a bike for £1200

Total Bike Cost £1200

10% deposit balance

Deposit Amount £120

Loan Amount £1080

Payments £13.85 a week

Payment Term 18 months

Interest 0%

24 Month 0% on purchases of £2000 +

Example You buy a bike for £2300

Total Bike Cost £2300

10% deposit balance

Deposit Amount £230

Loan Amount £2070

Payments £19.90 a week

Payment Term 24 months

Interest 0%

Finance is provided by V12 Retail Finance, a UK specialist Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years.  High Peak Cycles is unable to offer finance in conjunction with Ride2Work, Cyclescheme & Cycle Plus purchases, gift vouchers or NHS schemes.

Credit decisions

Finance decisions are available within 10-15 seconds of credit application being submitted.

Refer function for complex cases (20-30 minutes decision time)
Downloadable credit agreements for in-store sales

Customer ID Procedures

Automated system using customer credit/debit card details for an instant decision. Telephone referral process for a decision within 5 minutes
If your application is declined you will have the option of choosing an alternative method of payment.