Pro Vibe Carbon Track (31.8) Handlebar Stem

BUY NOW PAY March 2011, ON ALL PURCHASES ABOVE £400

Our Buy Now Pay Later scheme (BNPL) is the ideal way to buy your next Cycle or Accessories from Ribble Cycles.

With just a 10% deposit, you can purchase NOW and make no further payments for 12 whole months.

How does it work?
Provided you settle the full balance before your first instalment, then no interest charges will be incurred.
However, if you choose not to settle within the 12 month deferred period, then you will incur charges for credit.
The example below, based on a cash price of £144.49, explains this:

Cash price (inc. delivery & VAT)

£144.49

Deposit (10%)

£14.45

Amount of loan

£130.04

Interest/Total Charge for credit

£110.80

Total amount payable

£255.29

Balance payable (if not settled within 12 months)

£240.84

36 monthly repayments of

£6.69

APR

29.8%

If the amount of £130.04 is paid before the first instalment is due in 12 months time then no charges for credit will be incurred.

LOW COST CLASSIC FINANCE 36 MONTHLY PAYMENTS AT 19.9% APR ON ALL PURCHASES ABOVE £280

For customers who prefer to opt for a traditional credit package, our Low Cost Classic Finance product offers the ideal solution.

Classic Finance is a no nonsense, straight forward, interest bearing personal loan which allows you to spread the cost of your purchase over 36 equal monthly payments, at a low APR of 19.9%. It is available on purchases of £280 or more.
The example below, based on a cash price of £144.49, explains this:

Cash price (inc. delivery & VAT)

£144.49

Deposit (10%)

£14.45

Amount of loan

£130.04

Interest/Total Charge for credit

£39.88

Total amount payable

£184.37

Balance payable

£169.92

36 monthly repayments of

£4.72

APR

19.9%