Bike Finance

If you have your mind set on a new bike over £550 we can help you spread the cost with 0% finance over 12 months and only a 10% deposit, we have longer payments terms available in store

Finance is available on both reduced and full price bikes.

£1500 bike finance example

£1,500 bike
£112.50 per month




Available on any bike over £550
with just a 10% deposit.


Purchase price £1,500
Deposit £150
Amount of credit £1,350
Monthly payments £112.50
Total repayable £1,500
Duration of agreement 12 Months
Rate of interest 0% APR representative



Who is eligible for finance?

To apply for finance you must be:

•  at least 18 years old
•  In permanent paid employment, or self-employed or retired and receiving a pension or a working student in part time work or in receipt of disability pension
•  a UK resident (for at least 3 years)

What happens if my application is declined?

If your application is declined you will have the option of choosing an alternative method of payment.

Can I have my order delivered to a different address?

At present, V12 applications and product collections is only available in-store.

How will I know what is available for finance?

Finance based on minimum order of £550 with 10% deposit eg: 10% deposit (£55) & and 90% finance credit (£500)
Total orders under £550 are not eligible for Finance

How to Order

Visit Us In Store

Finance is available across our UK store network. You can find your local store here.

Drop in and speak to a member of our team who will be happy to help you. To apply for finance, you will need your bank details and debit or credit card to pay the deposit. On occasion our finance provider may request additional proof of identity, such as a recent utility bill or driving license.


Finance is subject to status.

Evans Cycles Limited (FRN 845262) is an Appointed Representative of Consumer Credit Compliance Limited who are authorised and regulated by the Financial Conduct Authority (FRN 631736). The permissions of Consumer Credit Compliance Limited as a Principal Firm allow Evans Cycles Limited to undertake credit broking activities. Evans Cycles Limited act as a credit broker, not a lender, and will refer you to either Frasers Group Financial Services Limited (FRN 311908) for Pay in 3 product or V12 Retail Finance Limited (FRN 679653) for all other payment options to complete your application for credit.

We reserve the right to withdraw finance on certain products. Details are available upon request.

Please note that stock will not be allocated until the application has been completed and the deposit has been received.

Details of our returns policy including defective items can be found here.

Evans Cycles is a credit broker and not a lender and only offers products from Secure Trust Bank PLC, trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies. Not all products offered are regulated by the Financial Conduct Authority.

The Legal Bit is a site operated by Evans Cycles Limited. Evans Cycles Limited is registered in England and Wales under company number 11577650, VAT number 307 4453 16 and its registered office is at Unit A, Brook Park East, Shirebrook, United Kingdom, NG20 8RY. Evans Cycles Limited trading name is Evans Cycles, and we sell and supply bicycles and bicycle equipment, clothing and accessories in the course of our trade and business. Evans Cycles can be contacted in writing at the address above or by e-mail here.