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
| From | Duration | APR |
|---|
| £500 | 6, 12, 18, 24 months | 0% APR Representative |
| £500 | 24, 36 months | 9.9% APR Representative |
| £250 | 12, 24, 36 or 48 months | 15.9% 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% |
|---|
| Duration | 24 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 Rate | 15.9% APR Representative |
| 24 Months Classic Credit 9.9% |
|---|
| Duration | 24 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 Rate | 9.9% APR Representative |
| 24 Months Interest Free 0% |
|---|
| Duration | 24 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 Rate | 0% 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 www.v12retailfinance.com
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.
Klarna
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
What Is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly. The service is provided by Clearpay Finance Ltd. Clearpay Plans are not regulated by the Financial Conduct Authority.
How do I use Clearpay?
Clearpay can be used online and in-store. To transact online, just shop on 99bikes.co.uk and check out as normal. At checkout, choose the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex). If you’ve used Clearpay before, just log in to your Clearpay account. Then complete your order! To use Clearpay in-store, simply download the Clearpay mobile app, set up the Clearpay Card, and use the Clearpay Card with Apple Pay or Google Pay to make a contactless payment at check out. You will repay us the amount in 4 instalments.
Who can use Clearpay?
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply. See Clearpay Terms of Service for further details.
How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online the exact amounts and dates will be displayed for you to agree to before you confirm your purchase. For instore purchases you will receive your payment summary once you have successfully transacted. If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly. You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
What if I can't pay a Clearpay instalment?
If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in the future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must be between £1 and £1,500 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
How do I return or exchange an item purchased with Clearpay?
Clearpay purchases follow the 99 Bikes standard return policy for both in-store and online transactions. Check with the 99 Bikes standard return policy to make sure your purchase is eligible for return.
Please note, refunds for Clearpay purchases will be refunded from Merchant Site to Clearpay. We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay’s FAQ page.
Disclaimer
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.
MoneyHelper
Citizens' Advice Bureau
National Debt Line
Stepchange
Consumer Credit Counselling Service
V12 TERMS AND CONDITIONS
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 moneyhelper.org.uk
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 www.financial-ombudsman.org.uk.
FCA Firm reference number 690183 - Details of our FCA registration can be found Here