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Finance Options

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Buying a bike is a big decision, at Cycling 2000 we understand that budgeting is a big part of that. That is why we offer a range of funding options to 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 ZERO percent options explained below, there’s never been a better time to visit Cycling 2000.

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.

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.

 0% APR15.9% Fixed Rate15.9% Fixed Rate15.9% Fixed Rate15.9% Fixed Rate
Cash Price£699.99£699.99£699.99£699.99£699.99
Amount Financed£630.00£630.00£630.00£630.00£630.00
Loan Term12 Months12 Months24 Months36 Months48 Months
Your Monthly Repayments£52.50£56.82£30.50£21.79£17.48
Total Amount Payable£699.99£751.78£802.05£854.40£909.15
Annual Rate of Interest %0%8.22%8.10%8.17%8.30%
Representative APR %0%15.9%15.9%15.9%15.9%

0% Finance Example  15.9% Finance Example 
Purchase Price£542.96Purchase Price£2109.96
Amount Financed£542.96Amount Financed£2109.96
Monthly Payments£45.24Monthly Payments£58.55
Total Amount Payable£542.96Total Amount Payable£2810.47
Loan Term12 MonthsLoan Term48 Months
Representative APR0%Representative APR15.9%
Annual Rate of Interest0%Annual Rate of Interest8.3%
Cycling 2000 is registered in England and Wales 08668565. Registered office: 50 Wheel Lane, Lichfield WS137EA. Cycling2000 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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