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Bike Finance

Flexible Finance Options

With deposits as little as 0%, Pauls Cycles offer a range of flexible finance options to help you spread the cost of your purchase with manageable monthly payments (minimum spend of £250 applies). Subject to qualifying items, you may be eligible for 0% APR finance over a period of 6, 12 or 18 months, or 15.9% APR Representative finance over 12, 24, or 36 months.

All finance products available on eligible transactions will be displayed at checkout with a quick and easy application process and a decision within minutes.

How do I apply for Finance?

  • Build your basket to a value over £250 (minimum spend)
  • Choose 'Pay by Finance' during the checkout process
  • Complete our fully secure finance form in the checkout and click 'Submit'
  • Our finance provider will provide you with a decision in seconds

If you are approved your purchase confirmation will be submitted and we'll process your order.

Please note, in order to safeguard against fraudulent applications finance orders can only be shipped to the address given in your finance application.

Finance Options are also available in-store, subject to terms and conditions. Please bring with you a photo id (E.g. Driver’s License, Passport) and proof of address (E.g. a recent utility bill).

Finance Terms & Conditions

Pauls Cycles Ltd acts as a credit broker not a lender for Secure Trust Bank PLC trading as V12 Retail Finance to offer you their finance products for flexible options to pay for your goods. If your finance is successful, you will enter into a Credit Agreement with V12 Retail Finance. We may receive a commission if your application is successful, and the amount may vary depending on the product chosen and the amount of credit taken out. Pauls Cycles Ltd is authorised and regulated by the Financial Conduct Authority. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA. Our registration number is 735004. Credit provided subject to age and status.

Minimum spend must be equal to or above £250 (inclusive of VAT).

Minimum Deposit must be equal to or under 50% of the value of the purchase.

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 or enquiries to email address:

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.

Under Distanced Selling (Online and Mail Order) Regulations, you reserve the right to return an item purchased under a Finance Agreement if you simply change your mind. You have the right to cancel at any time from the moment you place your online order, up to 14 days from the date you receive the goods. You have a further 14 days from the date you notify Pauls Cycles Ltd of your cancellation to return the goods. Note, there are exemptions to online returns which include tailor-made/personalised goods.

Under the Consumer Rights Act 2015, you have an early right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described in return for a full refund. This right is limited to 30 days from the date you received the goods. If an item is faulty and needs to be returned, you do not need to pay postage costs for the return of the faulty item.

Please note: Any items returned that have been purchased on V12 Finance will be refunded from the finance agreement, as long as a minimum balance of £250 remains. If the value of the refund takes the finance agreement below the minimum balance, we will need to cancel your finance agreement and you will need to make a payment through an alternative method for the remaining goods from your order.

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


We hope that you will be satisfied with any purchase you make and the service you receive from Pauls Cycles Ltd and that you will never have reason to complain. However, if there is something you’re not happy with, please contact us straight away so we can try and resolve any issues you may have.

Who to contact

If you are unhappy with any purchase you make or the service you receive from Pauls Cycles Ltd, please call or email our team at or 01362 690953

What will happen next?

Your complaint will be investigated by a member of the team. We will aim to respond within 5 working days and if we cannot resolve your complaint in this time, we will let you know.

If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on

Representative Finance Example

Product value is £3000.00