General Finance Information
Credit (both interest bearing and interest free on selected products) is available on purchases of £280 including VAT or more. You can apply online, over the phone or in store – it's quick, easy and you'll get an instant decision. Our online retail finance partners are Pay4Later (Interest Bearing) and V12 Finance (Interest Free) - all credit is provided subject to status.

Interest Free (Provided By V12 Finance)
Nearly all of the bicycles in our extensive range are available on 0% finance, over periods of up to 36 months. You can also include accessories, clothing and additional equipment aswell*. Repayment periods vary depending on the total order value and also by product(s), as such application needs to be done via a member of our sales team.

*Note: interest free finance not available in conjunction with any other offers or discounts

Example Finance Option
Total Cost: £1799.99
Deposit (10% Minimum): £180.00
Credit Balance: £1619.99
Monthly Payment (12): £134.67
Monthly Payment (24): £67.33
Monthly Payment (36): £44.89
Typical APR: 0%

Classic Credit (Provided By Pay4Later)
Classic credit is extended across our entire range of products over periods of upto 36 months (19.5% typical APR) and is available in conjunction with all offers or discounts. Integrated into tweekscycles.com, you simply need to add more than £280 (inc VAT) worth of products to your basket to gain access, whilst all product above this value show a finance breakdown.

Example Finance Option
Total Cost: £679.00
Deposit (10% Minimum): £67.90
Credit Balance: £611.10
Monthly Payment (24): £30.49
Typical APR: 19.5%
Total Amount Payable: £799.66

How to Apply
You can apply for credit in several different ways: For Interest bearing (classic credit) you can visit our website and select the items you wish to purchase. On the check out screen, select "finance" as your payment option, whilst both types of finance you can visit us and apply in-store, or call us and our sales team will complete an application form with you and email you an agreement to sign,

Sales Team: 0844 499 5656

However you apply, it takes only a couple of minutes and you get an instant decision.

Criteria
To apply for finance you must meet the following criteria:
• You must be over 18 years of age.
• You must be a UK resident with at least 3 years continual address history.
• You must be in full time employment, unless retired or a house person with a spouse in full time employment.
• You must have a UK bank account capable of accepting Direct Debits.
• The goods must be delivered to your home address.

Finance Benefits
Credit is available on all purchases over £280 including VAT.
Buy the items you want now + accessories, all for a low monthly payment.
Select 12, 24 or 36 month repayment periods.
Choose a higher-spec product for a few pounds more per month.
You can include clothing and accessories.
You can spread the cost of your purchase to minimise your monthly payments.
One-stop shopping: no need to go to a bank to secure funding.
Keep cash for day-to-day expenses.
Fixed repayments — your payments are fixed for the duration of the agreement allowing you to budget more effectively.

FAQ
How much can I borrow?
When checking out, just fill out our easy online application form and you can be approved for up to £5,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £280 including VAT.

Is a deposit required?
Yes, with both credit options a minimum 10% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What type of equipment can I purchase?
Almost everything apart from consumable items that potentially would require replacing before the finance period has been completed, e.g. brake pads, tyres, oils and the like. Special order items cannot be returned and please remember that the minimum order value is £280 including VAT.

What length of repayment is available?
You can choose a 12, 24 or 36 month loan repayment period.

Can I pay my agreement off early?
You have the right under section 94 of the Consumer Credit Act 1974 to repay early in full or in part at any point. If you wish to pay any amount early you must give notice to the credit provider, Moneyway Retail Finance, One Arleston Way, Solihull, B90 4LH or telephone them on 0845 111 7107. Unless you repay in full, any early repayment you make will not reduce the duration of the agreement but, if you give them notice of your intention to pay an amount early, they will recalculate the amount of the remaining monthly instalments.