MountainBikeBitz are pleased to offer you the ability to spread your bike payments with a 0% finance plan.
**IMPORTANT - PLEASE READ BELOW**
Will I qualify for credit?
We can only consider your application if:
You are 18 or over, and employed at least 16 hours per week
You have a good credit history with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies
You are a permanent UK resident and able to supply a UK address history for the last 3 years
Applications from students (unless employed at least 16 hours per week) or unemployed single house persons will not be considered
Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application). Meeting the criteria does not guarantee acceptance. Goods can only be delivered to your home address. If your application is accepted, the deposit must be paid by credit or debit card. Please note that we may request a proof of identity after your application has been approved and your deposit has been paid.
If you are unsure about your Credit History we recommend you get a FREE report before applying.
All our finance plans are interest free, therefore you will never pay more than the total amount of your purchases. We're also flexible with the amount of deposit you pay, provided your deposit is at least 10% of the total value of your purchases. Use the slider (below) to calculate what your payments might be:
On an amount of £500.00, you can choose a deposit and pick the finance suitable. Just move the slider to change your deposit.
*0% Finance is not available on products discounted by more than 12%. Minimum spend is £499.
Instant decision - no paperwork involved!
Our finance process is now instant, which means there are no more forms for you to sign, and you will know instantly whether or not you have been approved for credit. Your order will now take no longer to arrive than if you paid by credit card.
Applying for finance has never been easier. We are now using the amazing new Pay4Later fully online application system that has all the following benefits:
Online instant decision
Totally paperless - no printing or waiting for paperwork to sign
Goods dispatched straight away*
Repayments don't start until 1 month after you receive your goods
*Available on bikes that are in stock
How do I apply for 0% finance?
Browse this website and add products to your basket in the normal way, using the Add To Basket button.
When you are happy with the products you have selected, click on the 0% Finance Application button, which appears at the bottom of the basket summary screen.
At this point you will be given clear instructions that will allow you to complete your finance application. Assuming your application is accepted you'll be able to place your deposit and confirm your order right there. There are no forms to sign! If your finance application is accepted and you pay the deposit, your order will come through to MountainBikeBitz and we'll send you the goods.
How do repayments work?
Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don't start repaying your loan until a month after you have received your order.
You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact MountainBikeBitz and pay for the order via an alternative means (i.e. a credit card). MountainBikeBitz will then cancel your credit agreement and Pay 4 Later will return your deposit. If you don't wish to keep the goods, then you must return your order to MountainBikeBitz in the same condition that you received it, at which point MountainBikeBitz will cancel the agreement and Pay 4 Later will return your deposit.
*0% on sale bikes may vary - see product page for details.
Consumer credit service provided by Pay4Later in association with Shawbrook Bank.
Pay4Later is licensed by The Office of Fair Trading (Consumer Credit Licence:
0616240). For more information please refer to our frequently asked questions or visit http://www.pay4later.com/.
Shawbrook Bank is authorised and regulated by the Financial Services Authority,
licensed by the Office of Fair Trading and a member of the Finance and Leasing
Association. For more information please visit http://www.shawbrook.co.uk/