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Get up to two years 0% finance on all non-sale items

  • Spend over £399 and get 0% finance over 12 months
  • Spend over £999 and get 0% finance over 24 months

Get three years low rate finance on all non-sale items

  • Spend over £999 and get low rate finance over 36 months

Get up to three years 19.9% finance on all sale items

  • Spend over £399 and get 19.9% finance over 12 months
  • Spend over £799 and get 19.9% finance over 24 months
  • Spend over £1399 and get 19.9% finance over 36 months
To help spread the cost of your purchase we offer various finance packages, over anything from twelve to thirty six months, depending on how much you spend and how you want to pay.
Finance is not limited to only bikes, you can add any item to your basket and apply for finance, so if buying a bike on finance you can also add all the accessories you want to the deal.
Finance is available both online and in store. Please note that online applications MUST be delivered to your approved home address. If you wish to collect from store please visit the store to apply for finance.

Interest Free

The best finance out there! A no-brainer really as all you pay is the ticket price, nothing more. Simple spend over £398 on any non sale items and you can spread the cost over a year. Spend over £999 and spread it over two years! You can reduce the monthly payments by paying a bigger deposit, 10% deposit is the minimum.
Interest free is available on almost everything we sell, excluding items on special offer.

36 Months Low Rate Finance

If your making a purchase over £999 but want to spread the cost over a period longer than 24 months we offer our low rate option. At just 4.9% APR the interest is lower than most bank lending rates and you can spread the cost over thirty six months.

Low Rate Example

Spend £1500, put down a £150 deposit and spread the balance over three years and on low rate finance you'll pay only £40.34 a month, with a total repayment amount of £1602. Meaning the interest payable over the entire three years is only £102!

Special Offer Bikes

If you wish to purchase a bike that is on special offer, fear not, finance is still available. All special offer bikes are available on interest bearing finance over 12, 24 or 36 months at an APR of 19.5%.
This rate might sound high, but when you work out the interest payable it's still very reasonable. Typically on a £1000 purchase you'll pay £89 in interest per year.

Paperless Online Applications

To make the application process as fast and as simple as possible we operate a fully integrated online application process in partnership with our bankers V12, the UK's leading online finance provider. Everything is done online: There is nothing to sign, no paperwork to post and no need to submit ID or payslips. Once accepted you pay the deposit and then the order is proceed, it's just as fast as paying by card.
  • Instant decisions
  • No paperwork to sign & post
  • Just as quick as card payment

How To Apply

Apply for finance is simply, just select V12 at checkout and follow the on-screen instructions. During the process you will be handed over to our partner V12's website for the application process, then back to for the final stage. Once your application is accepted and the deposit paid, your order is secured.Please note, the bike you initially order is not held for you until the deposit is paid. Until that point someone else can purchase it.
  • Real Cycles is a licensed credit broker.
  • In all instances we use V12 for our lending. Click here for more information about V12 and our online finance packages.
  • All decisions are final and are not in the hands of Real Cycles.
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