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Finance Options

Buying a bike, a new set of wheels, a smart interactive turbo trainer, GPS device or accessories is a big decision. At Cycling 2000 we understand that budgeting is a big part of that decision. Along with our partner V12 Finance we have put together a range of finance options to spread the cost and help make the burden on your pocket a whole lot easier. With bikes from as little as £7 per month whilst enjoying a FIXED rate of interest and up to 48 months to pay, or take advantage of our Interest Free Credit 0% Finance options explained below, there’s never been a better time to visit Cycling 2000.

How To Apply For Finance

Our finance options are now available both in-store and on-line. Simply click on the product and then the “more info” button to see what finance options are available for that product. You can see how selecting the various finance options and adjusting the amount of deposit affects the monthly payment. You can also use the finance calculator at the bottom of this page.

Add the product to your basket and then at the checkout you will be able to choose your preferred payment option and apply for finance. At this stage you will be asked to confirm your preferred finance option and deposit amount. A decision only takes a few minutes once you have completed the application. We will then be in touch to arrange delivery.

V12 Finance

V12 finance offers all the payment options you may need to suit all budgets. Spend over £250 and you can choose a short term 0% APR finance option or longer term 15.9% APR payment term. With V12 you can choose any deposit amount that suits you, or no deposit at all.

Interest Free Credit – 0% Finance

Using 0% Finance is a great way to spread the cost of ownership. Spreading the cost with our 0% APR interest free finance option with no deposit required is one of our most popular finance options. You don’t pay any interest at all for the entire duration of the loan period.0% finance is available on bikes and accessories excluding sale items

Fixed Rate Option

Using Fixed Rate Finance is the best option to ensure the monthly payment is as low as possible. If you’re looking for the lowest monthly repayments so your dream bike doesn’t get in the way of your finances, then choose a 15.9% APR finance. Long repayment plans up to 48 months offer the most affordable monthly package.

Cycling 2000 is registered in England and Wales 08668565. Registered office: 50 Wheel Lane, Lichfield WS13 7EA. Cycling 2000 acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Cycling 2000 is authorised and regulated by the Financial Conduct Authority. Our registration number is 806849. Credit provided subject to age and status.


We also offer a Cycling 2000 savings club account. This enables you to pay any amount of money at anytime into your account, once you have enough funds available, spend it on a bike or any products of your choice. This scheme is offered all year round and available to anyone aged 16 or over.

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Keep upto date with all things Cycling 2000 via our Social Media.

Use our app on the go