Welcome to Pauls Cycles

At Pauls Cycles we’re all about great value and helping you to Ride More, that’s why we specialise in selling end of season stock at up to 50% off. From heavy hitting Full Suspension Enduro Bikes to KOM chasing Road Bikes and Balance Bikes to freedom inspiring e-Bikes, we love all things bike and are passionate about helping you find the perfect bike.

13 Yaxham RoadDereham Norfolk NR19 1HB

Finance your next purchase

   Words by Pauls Cycles

   on 25/01/2019 11:16:36

Want to spread the cost of your new bike?

Finance  

We have a range of finance options available to help with manageable monthly payments. You can also add accessories like pedals and mudguards to complete your new bike.

Whether you are looking for a faster Road Bike, a more rugged Mountain Bike, a smooth Electric Bike or a Hybrid Bike for commuting, our easy application process will get you going quickly.

Depending on your new bike selected, you could be presented with either interest free 0% finance over 6, 12, 18 months, or 15.9% APR finance over 12, 24, or 36 months. There's a minimum spend of £550 including VAT and you will usually need to pay a minimum of 10% deposit.

In store - We also offer finance in our Norfolk store so you can find the correct sized bike and complete your finance application easily at the till. Please bring a photo id (Driver’s License, Passport) and proof of address (EG a recent utility bill)

Bike Finance Options available

Selected products on our website are available to purchase via finance, we have a range of options including Interest free – 6,12,18 months, Classic Credit 15.9% APR – 12,24,36 months. Finance package approval is subject to age and status.

During checkout, you have the option of altering the deposit you pay, subject to the minimum and maximum deposits allowed against the selected finance package and subject to the minimum loan amount of £500.00

Finance Options Examples

The following examples finance options are shown for a purchase price of £2000.00 or the minimum spend required to qualify for the package.

Minimum Spend

Goods

Deposit

Loan Amount

APR

      

Monthly Payment Representative

Total Payable

Cost of Credit

Interest Free Finance
(6 months)

£550.00

£2000.00

£200.0
(10%)

£1800.00

0% APR

£300.00*

£2000.00

£0.00

Interest Free Finance
(12 months)

£715.00

£2000.00

£200.0
(10%)

£1800.00

0% APR

£150.00*

£2000.00

£0.00

Interest Free Finance
(18 months)

£1200.00

£2000.00

£200.0
(10%)

£1800.00

0% APR

£100.00*

£2000.00

£0.00

Classic Credit
12 Months 15.9%

£550.00

£2000.00

£200.0
(10%)

£1800.00

15.9% APR Representative

£162.33*

£2147.96

£147.96

Classic Credit 24 Months 15.9%

£550.00

£2000.00

£200.0
(10%)

£1800.00

15.9% APR Representative

£87.14*

£2291.36

£291.36

Classic Credit 36 Months 15.9%

£550.00

£2000.00

£200.0
(10%)

£1800.00

15.9% APR Representative

£62.26*

£2441.36

£441.36

*Final payment may be slightly higher or lower than quoted

Note: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.

In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant.

Finance Terms & Conditions

Pauls Cycles Ltd acts as a credit broker and only offers products from Secure Trust Bank PLC trading as V12 Retail Finance. Pauls Cycles Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 482597. Credit provided subject to age and status.

Consumer finance on Paulscycles.co.uk is provided by V12 Retail Finance a trading name of Secure Trust Bank PLC.

The finance options are widely applicable on Paulscycles.co.uk orders over £550, including VAT. We also offer Finance options in store, at the discretion of our store staff.

All offers of finance are subject to acceptance by V12 Retail Finance. Pauls Cycles accepts no liability in relation to the credit analysis and resulting contractual obligations. For more information, please visit www.v12retailfinance.com or enquiries to email address: customerservices@v12finance.com

We advise you to keep a copy of the Terms and Conditions along with a copy of your invoice and financing documentation for your records.

If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Pauls Cycles reserves the right to change these Terms and Conditions at any time.

Pauls Cycles Ltd, Unit A, 13 Yaxham Road, Dereham, Norfolk, NR19 1HB. VAT NO. GB GB 178 2409 87 Company Registration Number: 3883525, Registered in England.

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