Spread the cost with Finance


Interest free finance (0% APR representative) available on full price bikes and accessories purchased as part of the same order.

Spread the cost

We believe that everybody should be able to enjoy a great quality brand new bike. We also understand that bikes can be a big investment. That’s why, working with Klarna, we've come up with some easy interest free finance options to help you spread the cost.  


With a bike finance plan, you can spread the cost of your new bike over 6, 9, 12, 24 or 36 months interest free (with a deposit of 10%-50%), dependent on the value of the bike you are buying.


Any full price bike over £500 can be purchased with a 0% APR payment plan, on the phone or in-store. Discounted bikes are available to purchase with spread payments too.


0% APR Finance options

0% APR payment plans are a available on transactions over £500 that contain full priced bikes only. Details on pricing bands are shown below. No discounted bikes are eligible for 0% finance.

0% Finance Available
Price Range Deposit 6 Months 12 Months 24 Months  36 Months
£500 - £1,499 10-50%
£1,500 - £2,999 10-50%
£3,000+ 10-50%

12.9% APR Finance options

For discounted bikes (or for transactions containing discounted bikes) then we offer a 12.9% APR payment plan. Details can be found below.  A representaive example is used to illustrate the structure of payments, and the overall cost which can also be found below.

12.9% Finance Available
   Full Price Bikes Discounted Bikes
Price Range Deposit 24 Months 36 Months 12 Months 24 Months  36 Months
£500 - £1,499 10-50%
£1,500 - £2,999 10-50%
£3,000+ 10-50%

Representative example

  12.9% APR
  12 Months | 24 Months | 36 months 
Selling Price: £1,199 £1,199 £1,199
Monthly Payment: £96.33 £51.25 £36.31
Loan Amount: £1,079.10 £1,079.10 £1,079.10
Total Cost of Credit: £76.88 £150.94 £227.96
Min. Deposit (10%): £119.90 £119.90 £119.90
Total Purchase Price: £1,275.88 £1,349.94 £1,426.96

*Pricing was accurate on the date of creation 11/04/2018. Model shown: Cube Axial WLS GTC Pro 2017

Eligibility for credit

In order to apply for credit with Klarna, you must:

  • Be at least 18 years of age
  • Be either: in full time employment, part time employment, self-employed; or retired and over 50 years of age; or in receipt of a disability allowance
  • Be a UK resident for at least 3 years
  • Applicants must have a debit or credit card in their own name
  • Have acceptable photo ID at the point of application (eg. Driving License or Passport)
  • Have a UK bank account, with your bank account details available (account number and sort code)

Finance is subject to credit and affordability checks, terms and conditions apply (eligibility is not a guarantee of acceptance).

So you've decided you're interested. What next?

Once you’ve found a bike & the accessories to suit your needs…simply add the products to basket and on the payment page select the Klarna finance option and follow the steps to apply online. Or give us a call on 0800 298 8898 and we can help you through the application. If calling please have the names and ideally the product codes of the items you would like to purchase. You’ll find the product code on the product page at the bottom of the ‘features’ box. Be sure let us know that you are interested in Finance at the start of your call to help us deal with your call more quickly.


There’s no reason not to get on a new bike today!


Please note: Bikes bought on Finance can only be delivered to the Finance Applicant's home address, or collected from a store (2 forms of photo ID must be presented at point of collection).


Bikes can also be bought through finance in our stores and taken direct from the store when the bike has been built and safety checked.


Call 0800 298 8898 for more details. Alternatively, please visit one of our stores where our staff will be happy to help you.


Find a bike

Further Information

Discount codes are not accepted with 0% Finance applications.


Outdoor and Cycle Concepts acts as credit broker/intermediary and not as a lender. Outdoor and Cycle Concepts is authorised and regulated by the Financial Conduct Authority. Credit is provided by Klarna Bank AB, which is authorised and regulated by the Swedish Financial Services  Authority, with limited supervision by the Financial Conduct Authority.   


Outdoor and Cycle Concepts Limited's registered address is : Unit 11 Kemble Business Park, Crudwell, Malmesbury, Wiltshire SN16 9SH.