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Biped Cycles

Flexible Finance Options

We have a package of flexible finance options available depending on the items selected. You will be presented with a range of interest-free or interest-bearing options. Simply use our online Finance Calculator to tailor your package to suit your pocket!

How do I apply for finance?

  • Build your basket to a value over £500 (minimum finance amount)
  • Choose 'Pay by Finance' during the checkout process
  • Complete our fully secure finance form in the checkout and click submit
  • Our finance provider will provide you with a decision in seconds

If you are approved your order will be submitted and we'll process your order.

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 a permanent residence with your spouse/partner who is in regular employment
  • In receipt of a 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.

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.

Finance example

Product value is £3000.00