climb on bikes finance deals


What we do we offer?

Climb On Bikes provides instore finance options so you can spread the cost of bikes and cycling gear you want to buy immediately, over a time period that suits your budget. Our finance is supplied by V12 Financewho will provide you with a decision in seconds.

Who provides the finance?

Our finance provider is V12 Retail Finance. V12 has a proven track record of providing finance to customers of retailers across a wide range of leisure sectors including Bicycles.

V12 Retail Finance is the UK’s only specialist Retail Finance provider. Based in Cardiff, V12 has been offering Retail, Point of Sale and Interest Free Finance and for over 20 years, specialising in Online Finance for the past 10 years, through our long-term dedicated funding lines.

A little bit of history about V12 Retail Finance

V12 is an independent company that has pioneered multichannel accessibility and functionality in the Retail Finance sector through its market leading online software system. We are proud of our innovative approach, which has seen V12 lead the way in the Retail Finance market and forge long-lasting, mutually profitable relationships with our retail partners.

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 [email protected], visit the website at or call V12 on 02920 468900

Who can apply for Finance?

To apply for finance you must be:
o    at least 18 years of age
o    a permanent UK resident
o    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
o    in receipt of pension if you are retired
o    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 £400 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: Cube Aim SL 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
Monthy repayment amount: £37.50
Total amount repayable: £500
Climb On Bikes LTD reserves the right to exclude products of our choosing from certain finance packages. These can include purchases used in conjunction with promotional coupons, reduced items and sale bikes.

Finance Calculator

How much will your dream bike cost you every month? Use the calculator to find out…