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0% Finance at Biped Cycles

Get a brand new bike and accessories and spread the cost over 6, 12, 18 and 24 months with a 0% interest finance option. Applying for finance is fast and easy with, simply complete the credit agreement, sign it online and get an instant credit decision. Upon acceptance, pay your deposit and you're done.

Biped cycles offers Finance from £500.

There is a minimum deposit of 10%, however you can choose to pay a higher deposit if you want to place a smaller amount on finance.

Who provides the finance?

Finance will be provided and administered by V12 Retail Finance Limited Registered in England Number 4585692. Registered Office: V12 Retail Finance Limited, 20, Neptune Court, Vanguard Way, Cardiff, South Glamorgan, CF24 5PJ

Contact V12 Finance

We're here to help, and welcome any questions or queries you may have about our Retail Finance products and services. If you are a customer with a loan with V12, please email, visit the website at or call V12 on 02920 468900

Who can apply for Finance?

To apply for finance you must be:

  • At least 18 years of age
  • A permanent UK resident
  • In regular employment (minimum of 16 hours per week) including self employment, or in permanent residence with your spouse/partner who is in regular employment
  • In receipt of pension if you are retired
  • If registered disabled confirmation of sufficient income will be required.

What happens next if my application is approved?

If your application is approved we will print the Credit Agreement in store which you will be required to sign. This will be returned to, our credit provider. Upon approval we will take the minimum deposit of 10% required in store and the goods may be taken immediately or at a later date if required.

What happens if my application is declined?

If our credit providers decline your application you will have the option of choosing an alternative method of payment (i.e. credit/debit card) and you will be issued with information to take away regarding the declined approval.

Can I buy any bike on any finance option?

The finance options available depend on the total value of your purchase. The minimum purchase is a £500 bike to qualify for Interest Free Finance over a 12 month period. Purchases of £1000 and over will qualify for an 18 month period.


Bike: Cannondale Trail 29er 2014
Cash Price: £500
Deposit (min 10%): £50

Rate of interest: 0%
Representative APR: 10%

Total amount of Credit: £450
Duration of agreement: 12 months

Monthly repayment amount: £37.50
Total amount repayable: £500

Biped Cycles reserve the right to exclude products of our choosing from certain finance packages. These can include purchases used on reduced items and sale bikes.


Any bike purchased using finance must be delivered to the applicant's home address. This is a legal requirement when a finance contract is in place - it helps protect customers from fraud and identity theft.