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:
At least 18 years old.
A permanent UK resident or working with a UK Visa.
In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
In receipt of a pension if you are retired.
Able to confirm sufficient income if you are registered disabled.
†Finance is not available to students or the unemployed. Applications that have previously been rejected should not be re-proposed within a 3-month period.
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. See representative example below to see 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 V12 Finance 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 one month from the date of the agreement
*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.
During checkout, select the finance option and deposit you want as your method of payment.
You will be sent to our finance provider’s secure server to complete your application.
Finance provider V12 will use the information provided to make a decision and complete checkout if you are approved.
Once your finance application is accepted and you pay the deposit, your order will be dispatched for delivery.
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 one month from the date of the agreement.
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 V12 Retail Finance 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 V12 Retail Finance will return your deposit.
*0% on sale bikes may vary - see product page for details.
Wheels Wings and Water Limited is a licensed credit broker. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Wheels Wings and Water Limited acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 541132. Registered office: One Arleston Way, Soilihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 204550.