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Bike Finance

At 99 Bikes purchasing with finance couldn't be easier, enabling you to spread the cost of your new bike or cycling equipment from 6 to 48 months. We offer finance options on all bikes over £300.00 and depending on the items you've selected, you could be presented with either interest free 0% finance or our Classic Credit option.

If you choose click and collect, finance will not be available. Finance payments can be arranged in store

Instant online decision

All items available with finance will display messaging containing further information on which finance options are available.

10% Minimum Deposit*

Get the bike of your dreams from just a 10% deposit to pay (but the higher the deposit the lower the monthly repayments!)

Not just for bikes

You can get finance on other items once the basket total meets the minimum order value.

Available Finance Options

£5006, 12, 18, 24 months0% APR Representative
£50024, 36 months9.9% APR Representative
£25012, 24, 36 or 48 months15.9% APR Representative

*Please Note - 0% finance plans will generally not be available on discounted items. Please check on an items product page or in the checkout for available finance options.

Finance Examples

The following finance examples are based on a basket total of £3000.00 and a 10% deposit

24 Months Classic Credit 15.9%
Duration24 months
Purchase Amount£3000.00
Monthly Repayments£130.71
Deposit (10%)£300.00
Amount of Credit£2700
Total Repayable£3437.04
Interest Amount£437.04
Interest Rate15.9% APR Representative
24 Months Classic Credit 9.9%
Duration24 months
Purchase Amount£3000.00
Monthly Repayments£123.96
Deposit (10%)£300.00
Amount of Credit£2700
Total Repayable£3275.04
Interest Amount£275.04
Interest Rate9.9% APR Representative
24 Months Interest Free 0%
Duration24 months
Purchase Amount£3000.00
Monthly Repayments£112.50
Deposit (10%)£300.00
Amount of Credit£2700
Total Repayable£3000.00
Interest Amount£0.00
Interest Rate0% 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: Yorke House, 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
If you are intending to use finance as your payment option, please note we will only ship your order to your billing address, and not to an alternative delivery address.
This is for estimation purposes only. Actual Finance Application is Completed During Checkout.

PayPal Credit & Pay in 3

If you select to pay with PayPal you may be offered the option to pay in three or use PayPal Credit. PayPal Credit and pay in 3 eligibility is linked to your personal PayPal account so you may need to set these up in your account and any credit limits will be decided by PayPal based on your personal circumstances.

What is PayPal pay in 3?

Pay in 3 allows you to split the cost of your purchase in to 3 equal payments over 3 consecutive months. There are no sign up or late fees.

What is PayPal Credit?

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that sits alongside your PayPal account which you can use for your online purchases.

0% for 4 months

A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase.* Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 21.9% p.a.

What is the cost of PayPal Credit outside of promotional offers?

The Representative Example below shows the typical costs of using a PayPal Credit limit, without using promotional offers.

For further information, visit the PayPal Credit FAQ page.

PayPal Credit Representative Example
Representative 21.9% APR (variable)
Purchase rate 21.9% P.A. (variable)
Assumed credit limit £1200.00
Finance provided by PayPal Credit, Terms and Conditions apply. Credit subject to status. UK residents only. Sigma Sports Limited acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg
*The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 21.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit. How do I apply? Using PayPal Credit or pay in 3 is easy. Just click on the PayPal button on the basket page. The application form takes minutes to complete (or you may even be pre-approved). PayPal will then run a credit check and, if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement. You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.


Orders between £40 to £1000 can be placed using Klarna. You can either choose to pay in three equal instalments or defer the payment for 30 days. Either option has no additional fees attached and you will only pay the listed price for your items. To find out more about Klarna visit our page explaining the service in more detail.

Pay in 30 days

Make your purchase today so you can try before you buy. Only pay for what you keep. Pay up to 30 days later. No interest. No fees. No impact to your credit score. Paying after delivery allows you to try before you buy and is the easiest way to shop online.

  • Complete the payment in full after purchase at no added cost.
  • Report returns directly in our app and only pay for the items that you keep.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort
  • You must be 18+ and a UK resident to be eligible for this credit offer. Pay Later Terms and Conditions

Pay in 3 interest-free instalments

Spread the cost of your purchase into 3 interest-free instalments. The first payment is made at point of purchase, with remaining instalments scheduled automatically every 30 days. No interest or fees. Select the Klarna option and enter your debit or credit card information. To check your eligibility, Klarna will perform a soft search with a credit reference agency. This will not affect your credit score. No interest. No fees. No impact to your credit score.

  • A new way to pay that's an alternative to a credit card.
  • 3 instalments gives you flexibility to shop without interest or hidden fees.
  • Not making your payment on time could affect your ability to use Klarna in the future.
  • Debt collection agencies are used as a last resort.
  • You must be 18+ and a UK resident to be eligible for this credit offer. Pay in 3 Terms and Conditions

  • Do I qualify for finance?

    To apply for bike finance, you must:

    • Be over the age of 18, and be in receipt of a regular income
    • You will need to pass all credit checks and criteria that need to be met to become a suitable applicant. If you have late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies these are likely to negatively impact your eligibility
    • Be a permanent UK resident and able to supply a UK address history for the last 3 years
    • Be either: in full time employment (more than 16 hours a week) ; or self-employed ; or retired (and over the age of 50) ; or in receipt of invalidity or disability allowance.

    Just by meeting the criteria set out above does not guarantee acceptance. Please note that students (unless employed for more than 16 hours a week) and unemployed single house persons will not be considered.

    Retired individuals, and those in receipt of a private or company pensions are welcome to apply for finance.

  • How quickly will my application be approved?

    Decisions are usually made within a few minutes. Once your application has been approved, we will contact you (during working hours Monday to Friday) to arrange delivery.

  • Will you search my credit score?

    Yes. To enable our finance company to review your application, your credit score will be checked to evaluate your credit risk. Credit scoring works by awarding points for each answer given on the application form, such as age, income and occupation as well as information obtained by credit reference agencies. Credit score does not discriminate on the grounds of sex, gender, religion, race, disability or colour.

  • Why was I declined?

    If your application has been declined, it is normally due to one, or a combination of the following:

    • Your credit score (please note that every will score you differently)
    • Your age (for example being under 18)
    • Your existing account performance with existing lenders
    • Adverse credit reference agency information
  • Can I re-apply if my finance application is unsuccessful?

    Yes. Just because one of your applications may have previously been declined, finance companies acknowledge that circumstances change, and therefore allow further applications. However, it is advised that you wait at least 6 months before trying to apply again.

  • Can I request delivery to an address other than my home?

    To safeguard against fraudulent applications, delivery is only allowed to the home address of the applicant.

  • Can I change my order after applying for finance?

    If you change your mind and want to change your products, we will need to cancel your initial order and create a new one with your new products; this is to ensure your chosen products are delivered correctly. If you've already received confirmation of approval for online finance via 99 Bikes, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way.


At 99 Bikes we always recommend that a customer should reflect and be aware of all terms & conditions before purchasing with finance. Whether it's a short installment based arrangement or a 36 month agreement all finance products come with risk to the consumer. Late or missing repayments may have serious consequences for you. Your credit rating may be affected which will make it more difficult or more expensive for you to obtain credit in the future.

There are a number of independent organisations that can offer free, impartial advice on money and debt issues. The links below may be useful if you find yourself affected by these issues.

Citizens' Advice Bureau
National Debt Line
Consumer Credit Counselling Service


Please note that interest-free credit is not offered on all products Some exclusions may apply. 0% Finance is not available on sale, Cyclescheme or discounted models unless otherwise stated. V12 Classic Credit is available for items discounted from MSP & those marked at the RRP, interest is charged at 15.9% APR and can be spread over 12, 24, 36 & 48 months.

You must be a permanent resident of the United Kingdom and must have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of Eire. In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant.

Warning: Late repayment can cause you serious money problems. For help go to

99 Bikes acts as a credit broker and not a lender and only offers credit products from Secure Trust Bank PLC trading as 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. 99 Bikes, Company number: 3690687 Vat No: 411 9562 62 Country of Registration: England Registered Office: The Quay, 30 Channel Way Ocean Village Southampton Hampshire SO14 3TG; authorised and regulated by the Financial Conduct Authority. Credit provided subject to status. Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA.

If you are dissatisfied with the complaint response and your finance 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

FCA Firm reference number 690183 - Details of our FCA registration can be found Here