Online Credit Facilities

Our payment plan options

We offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 6 to 48 months. The value of the loan needs to be over £250 and no more than £15000. You can choose a deposit of up to 50% of the value of the goods.

Some finance options will not be available across all products or combinations of product in our website. Add items to your shopping cart and visit the checkout to see what options will be made available to you.

Specific products in our website are available to purchase via finance.
These products are marked with a small logo:

Interest Free Finance (36 Months) on some orders over £800.00, 11% minimum deposit required.
Interest Free Finance (24 Months) on some orders over £800.00, 11% minimum deposit required.
Interest Free Finance (18 Months) on some orders over £600.00, 11% minimum deposit required.
Interest Free Finance (12 Months) on some orders over £600.00, 11% minimum deposit required.
Interest Free Finance (10 Months) on some orders over £350.00, 11% minimum deposit required.
Interest Free Finance (6 Months) on some orders over £280.00, 11% minimum deposit required.
Classic Credit 36 Months 4.9% on some orders over £350.00, 11% minimum deposit required.
Classic Credit 24 Months 4.9% on some orders over £350.00, 11% minimum deposit required.
Classic Credit 18 months 4.9% on some orders over £350.00, 11% minimum deposit required.
Classic Credit 12 months 4.9% on some orders over £350.00, 11% minimum deposit required.
Classic Credit 9 months 4.9% on some orders over £350.00, 11% minimum deposit required.
Classic Credit 48 Months 15.9% on some orders over £280.00, 11% minimum deposit required.
Classic Credit 36 Months 15.9% on some orders over £280.00, 11% minimum deposit required.
Classic Credit 24 Months 15.9% on some orders over £280.00, 11% minimum deposit required.
Classic Credit 12 Months 15.9% on some orders over £280.00, 11% minimum deposit required.

Representative Example

Representative Examples are shown for a purchase price of £2000.00

	Interest Free Finance (36 Months) (Minimum goods total £800.00)
Goods Total	£2000.00
Minimum Deposit	11%
Deposit Total	£220.00
Loan	£1780.00
Annual rate of Interest	0% fixed
Duration (Months)	36
36 Monthly Payments of	£49.44*
Total Amount Payable	£2000.00
Cost of Credit	£0.00
Representative APR	0% APR Representative

	Classic Credit 36 Months 4.9% (Minimum goods total £350.00)
Goods Total	£2000.00
Minimum Deposit	11%
Deposit Total	£220.00
Loan	£1780.00
Annual rate of Interest	4.9% fixed
Duration (Months)	36
36 Monthly Payments of	£53.18*
Total Amount Payable	£2134.48
Cost of Credit	£134.48
Representative APR	4.9% APR Representative

	Classic Credit 48 Months 15.9% (Minimum goods total £280.00)
Goods Total	£2000.00
Minimum Deposit	11%
Deposit Total	£220.00
Loan	£1780.00
Annual rate of Interest	15.9% fixed
Duration (Months)	48
48 Monthly Payments of	£49.40*
Total Amount Payable	£2591.20
Cost of Credit	£591.20
Representative APR	15.9% APR Representative

Consumer credit services are only available to over 18s and subject to status.

Credit is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with registration number 204550. For more information please visit www.v12retailfinance.com.

Credit subject to status. 18+ UK residents only.

Credit is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with registration number 204550. For more information please visit www.v12retailfinance.com.

Bridgend Cycle Centre is authorised and regulated by the Financial Conduct Authority, register number FRN688826.