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Cycle To Work Scheme

‘Cycle to Work’ is a government-backed scheme that enables you to make up to 42% savings on the price of a new bike and accessories, supported by your employer. Not only can you benefit from savings on tax-free bikes, but the scheme also allows you to spread the cost and help you get commuting!

Choose a bike, hire it for an agreed length of time from your employer using monthly pre-tax salary sacrifice (meaning you pay less tax on your earnings) with no interest, and then snap it up for a fraction of its value at the end of the hire period.

Important - Read Before Placing Cycle to Work Order

Please read our full terms and conditions

For faster processing, we recommend obtaining your Cycle to Work voucher before placing your order with us and submitting it right away. However, where this is not possible we also offer a free 14-day bike reservation.

Please ensure you include all charges in the voucher value requested from your employer, including any surcharges or delivery charges that are applicable and request a voucher type that can be used at any retailer where possible.

Your order will not be dispatched until payment of all fees has been made. The voucher value cannot be used for two separate transactions, and we are unable to refund any part of the voucher value that is not utilised.

SALE and Discounted items

Pauls Cycles allows the purchase of sale items via the Cycle to Work scheme however, please note, we apply a 10% surcharge on all sale items purchased through the scheme unless otherwise stated below:

  • GoGeta - 0% surcharge
  • My Benefits World - 0% surcharge
  • Green commute initiative - 5% surcharge
  • Halfords Cycle2work - 15% surcharge

Please ensure you include any surcharges in the value of your voucher. We are unable to dispatch any order without all fees paid. We will contact you when we process your order to take payment of such fees.

Halfords Cycle2Work Scheme

Those using the Halfords Cycle2Work Scheme will incur a 5% administration fee on all non-sale bikes and a 15% administration fee on sale bikes as stated above.

What is ‘salary sacrifice’?

Salary sacrifice is an agreement between you and your employer to make monthly deductions from your gross (pre-tax and national insurance deductions) salary. Depending on your salary you could save up to 42% for higher rate taxpayers.

Please note, salary sacrifice schemes are only available to those who pay tax through PAYE (pay as you earn).

Use our Cycle to Work Calculator to see how much you could save with salary sacrifice.

Which Cycle to Work Schemes do you support?

We accept vouchers from the following schemes:
Green commute initiative
Cycle Solutions

c2w support

My Benefits World
Halfords Cycle2work *

*additional administration fees apply. Please read full terms and conditions.

How do I apply for the scheme?

Buying a bike through the Cycle to Work scheme is straightforward. Reserve your bike with us with a free 14-day reservation period and apply for your voucher directly through your employer.

Please check details of your employer’s scheme before you reserve your bike with us.

To reserve, add your bike and any accessories you'd like to your basket and proceed through to the checkout by selecting 'Pay With Credit/Debit Card'.

Once through to your order detail page, select 'Click & Collect' as your delivery method to place a reservation order with no immediate payment or payment details required. Your order can still be delivered to a home address or to our store for Click & Collect from our Norfolk store, we will confirm this with you when processing your order.

Complete your reservation by entering your delivery address. Be sure to add a note detailing that you're using the Cycle to Work scheme before placing your order. You will receive a confirmation of your reservation order by email.

Your chosen bike will be reserved for a maximum period of 14 days from the date of your order being placed. We are unable to accept deposits or payments in lieu.

Apply for your voucher directly through your employer, using your reservation order email to support this.

Once received, email your voucher to us at with a copy of your photo ID.

We’ll prepare your bike and get it dispatched to your home address or our Norfolk store for Click & Collect the next working day.

Please Note: We are unable to hold bikes for longer than 14 days. After 14 days, the bike will be relisted back into available stock. We take no responsibility for bikes that are no longer available after the reservation period.

Frequently Asked Questions

Who is eligible for the Cycle to Work scheme?

The Cycle to Work scheme is only available to those who pay tax through PAYE (Pay as you earn). If you're unemployed or self-employed you sadly cannot take part in the Cycle to Work scheme.

What is included in the Cycle to Work scheme?

You can use your voucher to purchase bikes and most cycling accessories. There are some restrictions under the scheme including Frames, GPS ride trackers and navigation devices, Bike racks for cars, Cameras, Turbo trainers or rollers, Gift cards, Nutritional products/foodstuffs, Power meters, Headphones, and Children's bikes so it's best to check with your employer's specific scheme terms.

Who owns the bike if bought using the Cycle to Work scheme?

The items purchased with your Cycle to Work voucher are owned by your employer and leased to you.

How long is the Cycle to Work repayment period?

The minimum term of the salary sacrifice is generally 12 months, with some schemes and employers offering 36 or 48-month options too. Be sure to check the full terms of your scheme with your employer.

What happens at the end of the Cycle to Work hire period?

  1. You can return the bike to your employer;
  2. You immediately take ownership of your bike and pay a fee based on ‘fair market value’ set by HMRC; or
  3. You extend your hire agreement by 36 months for a single small refundable deposit (3% or 7%).

Can I sell my bike bought under the Cycle to Work scheme?

Yes, you can sell your Cycle to Work bike provided you have completed the end ownership agreement. Contact your employer to discuss your ownership transfer.

Can I buy more than one bike with my voucher?

Absolutely! However, you cannot purchase a bike on someone else's behalf via the scheme and additional bikes must also be used for your commute. Additionally, your salary sacrifice must not take your earnings under National Minimum Wage.

My employer doesn’t have a cycle scheme, can I still apply?

If your employer does not have a scheme, speak to your HR department who will be able to set one up at no cost.

How much can I spend on the Cycle to Work scheme?

There is no price limit to the Cycle to Work scheme initiative, however, your employer may choose to set spending parameters and your Salary Sacrifice cannot take your earnings under the National Minimum Wage. So it's best to check the terms of your scheme with your employer before choosing your bike.

Can I buy sale bikes using the Cycle to Work scheme?

Yes, however, please note surcharges may apply. Please see our terms and conditions or contact us.

Do I need to Insure my Cycle To Work scheme bike?

You'll still need to continue making your monthly payments for the remainder of your agreement even if your bike is stolen or damaged beyond repair. Therefore we strongly recommend insuring your bike. All of our bikes come with free 30-day insurance and exclusive discounts on annual premiums with Sundays Insurance.

Who is responsible for the maintenance of the bike?

You are responsible for maintaining the bike. All of our bikes come with a free 6-week check-up at our in-store workshop.

Cycle to Work calculator