Become a step closer to owning your dream bike. Get 0% finance on baskets from £35 and spread the cost of bikes starting from £1500 with a 10% deposit required.

0% FINANCE OPTIONS

V12 Retail Finance

We've collaborated with V12 Retail Finance to provide you with a choice of finance options to benefit all budgets. All bikes over £1499 are available on 0% finance, excluding offer and sale bikes. Payments spread over a period between 12-36 monthly will require a minimum deposit of 10%.

Gear and accessories can be purchased with finance in conjunction with a qualifying bike. Please note that the finance term is calculated by the bike value rather than the basket value.

bike finance price bands

Klarna

Shop our wide range of bikes & Accessories from £35 - £999, now available using Pay Later or Pay in 3 interest-free instalments with Klarna.

Klarna provides two easy ways to grab the products you love. Try splitting the cost into 3 monthly instalments with 0% interest, no fees and no credit agreement. Or choose ‘Pay Later’ and get up to 30 days to pay for your order with 0% interest and no fees.

Learn more about Klarna

PayPal

Get 4 months 0% finance on baskets over £99, simply by using PayPal credit.

If you wish to use PayPal Credit, please select the ‘PayPal’ option at checkout after adding the items you want to your basket. For more information on PayPal credit please visit their website.

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FAQ’s for V12 Retail Finance

Finance is available on selected products ordered through our website, provided by V12 Retail Finance. The finance offers that are available are product specific and are displayed on eligible products. When you proceed with your order, simply choose 'V12 Retail Finance' at the checkout and you will be redirected to the V12 website to complete your application. If you have any questions or problems with your application you can contact V12 Retail Finance directly. If your application is successful, your order will be confirmed to Liv - we will contact you by email to let you know your order is proceeding. If your application is unsuccessful, V12 Retail Finance will inform you and your order will be automatically cancelled.

Anybody can use our flexible finance options, as long as they meet the following criteria; 1) Over 18 years of age, 2) A Resident in the UK, 3) In regular employment or able to prove sufficient regular income (pension for example), 4) You have a good credit history with no previous bankruptcies, IVAs, debt relief orders, recent CCJ's or defaults, 5) Gross annual household income of £10,000 or more. If you meet the criteria, then there will be a full credit check upon application to assess further.

You don't make any payments until you have collected your items. Your first payment is approximately 30 days from the point of acceptance, but dependent on when you collect your items. For first payment date details please refer to your credit agreement or V12 Retail Finance directly.

Unfortunately, we do not offer 0% finance on our sales bikes at the moment, although we do occasionally run limited-time offers in which this may become available.

Returns for goods purchased through finance are handled exactly the same as any other order. Simply notify us of your cancellation request via our online form and we will process the cancellation within 3-5 days - any payments you have made will be automatically refunded.

Applications and the final decision are dealt with solely by V12 Retail Finance, so we are unable to provide any information on specific cases or reasons for being declined. If you wish to discuss this further, please contact V12 Finance Retail directly.

Yes - the minimum deposit is 10% of the product value, however you can enter any deposit you wish up to 50%. This can be entered at the checkout stage once you've added the bike to your basket.

For fraud prevention and security, we ask that you bring a copy of your credit agreement (an online copy is acceptable), Passport or Driver's Licence and a utility bill with the same address as the order.

Unfortunately not, for fraud prevention and security reasons we can only hand over the bike to the person with the credit agreement.

Please call V12 Retail Finance on 029 2046 8900 if you have any questions regarding your credit agreement.

Yes. V12 acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that they will automatically turn down a further request. V12 do suggest however, that you leave at least 6 months between applications.

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.

Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Finance for details of the process by phone, e-mail or letter at the following; Telephone: 029 2046 8900 Email: customerservices@v12finance.com Address: V12 Retail Finance Limited 20 Neptune Court Vanguard Way Cardiff CF24 5PJ

Applications and the final decision are dealt with solely by V12 Retail finance, so we are unable to provide any information on specific cases or reasons for being declined. If you wish to discuss this further, please contact V12 directly.

Finance is subject to status. From time to time, we may vary the terms of our finance offer at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Finance as a payment method is provided through our external partner V12 Retail Finance. If your application is successful you will enter into a Credit Agreement with V12 Retail Finance.

Representative Example;

Total amount of credit: £3999
Interest rate 0% fixed
Duration of loan: 36 months
Deposit amount (10%): £400
36 monthly payments of £99.97
Total amount payable £3999

Credit is available subject to status to UK residents aged 18 or over. Giant UK LTD. acts as a credit broker and not as a lender and is registered in England 2167762. Registered office: Charnwood Edge, Syston Road, Cossington, Leicestershire, LE7 4UZ. Credit is provided by Creation Consumer Finance Ltd (6th Floor, Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT), is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518).