Customer Info


Bikes on Finance

Pay monthly and spread the cost of your bike or cycle gear.

You qualify for Finance as long as your basket totals £250 or more, whether you’re buying a dream bike, upgrading your current ride or kitting yourself out for the season. Applying for Finance with Wheelies is quick and easy with the option of flexible or no deposit and you will know the result within minutes. Buying on Finance breaks the cost of your items into more manageable monthly chunks and takes just 4 easy steps. You can use our Finance calculator to see your monthly payment options. For more information watch our short Bike Finance video.

Choose your items

Step 1

Choose your item(s)

Available on all orders over £250.
From bikes to wheelsets, full price or reduced.

Select your Finance option

Step 2

Select your Finance option

& your deposit amount at the checkout.
Deposits start from £0.

Complete your paperless application

Step 3

Complete your paperless application

Transparent, quick & easy.
Takes on average 10 minutes to apply.

Receive an instant decision

Step 4

Receive an instant decision

We’ll call you to arrange delivery
as soon as your application is approved.

Finance calculator - See your monthly payment options

You can increase or decrease the deposit you wish to pay. Depending on your order value and the type of Finance you choose, however paying no deposit (£0) is always available.

Min: £0 Max:
Calculate Finance

Loan amount minus deposit must be greater than £

Your payments may vary by a few pence from the example shown, depending on the rounding of the monthly amounts after deposit.
monthly payments of
Cash price (inc. Delivery & VAT)
Deposit (10.0%)
Amount of loan
Interest/Total Charge for credit
Total amount payable
Balance payable

Finance options

We offer two Finance options which are available on all orders over £250 (including sale items). Both have flexible deposit options, depending on your order value, including buying bikes on Finance with NO DEPOSIT.

Interest Free Finance (0% APR)

Payments can be spread over 6, 12, 18 or 24 months, and over 48 months on purchases over £2,700.

Classic Credit (15.9% APR)

Payments can be spread over 24 or 36 months.

Finance examples

0% Finance representative example RRP £1099
0% Finance representative example
Purchase price £1099 Total repayable £1099
Deposit £100 Duration of agreement 24 months
Amount of credit £999 Rate of interest (fixed) 0%
24 monthly payments £41.62 0% APR representative
Classic Credit (15.9% APR) representative example RRP £499.99
Classic Credit (15.9% APR) representative example
Purchase price £499.99 Total repayable £571.76
Deposit £50 Duration of agreement 24 months
Amount of credit £449 Rate of interest (fixed) 15.9%
24 monthly payments £21.71 15.9% APR representative

Finance FAQs

How quickly will my application be processed?

Once you submit your application you will receive an instant decision. On rare occasions, if V12 require further information they will contact you within normal working hours shortly after your application is submitted.

Once my application is approved, what happens next?

Once approved, you will be able to sign your credit agreement electronically using V12's eSign process. You will be given the option to download a copy of your credit agreement at this point and print a copy for your records. Once you have eSigned your agreement we can dispatch the goods to you. There is no paper work to return to us or to V12.

Do you offer no deposit Bike Finance?

Yes, you can purchase your bike on Finance with no deposit. You can vary the deposit you wish to pay on your application, which is determined by your loan amount and the type of Finance you choose, however no deposit (£0) is always available.

Is there a charge if I want to pay off the outstanding amount early?

There is no charge if you wish to pay off your Finance early. Simply call V12 on 02920 468 900 who will help arrange this with you.

What are the criteria for applying for Finance?

To apply for Bike Finance you must be:

  • at least 18 years of age
  • a permanent UK resident
  • 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
  • in receipt of pension if you are retired
  • if not in employment, you may be required to provide proof of alternative income
**Please Note: All orders paid for by Finance can only be shipped to the billing address as used on your application.**

What if I want to cancel my application once it has been accepted?

Finance applications have the same cancellation rights as normal orders. To cancel a Finance order please call us on 01792 583000, or alternatively you can email us via sales@wheelies.co.uk

For your full cancellation rights please refer to our returns page.

Wheelies Direct Limited is a licensed credit broker "Licence Number 0499072". Credit is subject to status and available to permanent UK residents only. V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Offices: One Arleston Way, Solihull, B90 4LH. Authorised by Prudential Regulations Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The retailer is Wheelies Direct Limited. Written terms are available on request.