MountainBikeBitz are pleased to offer you the ability to spread your bike payments with a 0% finance plan.

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:

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.

Cooling-off period

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.

Important Information

Consumer credit service provided by Pay4Later in association with Moneyway. 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/.

Moneyway is a Trading name of Secure Trust Bank PLC. Secure Trust 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.securetrustbank.com/