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  • Bikes On Finance


  • Spend £250 or more with us, and you can apply to spread the cost with our finance partner V12. You can choose how much deposit you want to pay - whether it's half the cost or nothing at all.

    Classic Finance (9.9% APR Representative) is available over 36 months with a minimum spend of £1000 or 24 months with a minimum spend of £500.

    Classic Finance (14.9% APR Representative) is also available over 36 months with a minimum spend of £350 or 24 months with a minimum spend of £250.

    0% APR Interest-free finance is available over 24 months with a minimum spend of £3500, 12 months with a minimum spend of £2500 or 6 months with a minimum spend of £500.

    Subject to age and status. Terms and conditions apply.



  • 0% APR Interest Finance is available on all Ribble bikes with the exception of Special Offer/Special Edition and Clearance bikes.


    Step 1 – Shop: Add products totalling over £250 to your basket and select ‘V12 finance' as your payment method in the checkout.

    Step 2 – Apply: Choose your preferred payment plan. Choose your deposit amount. Complete a simple online application with our finance partner V12 Finance.

    Step 3 – Ride: Once confirmation is received from V12, we will proceed with your order to get you out there enjoying your new bike.



  • Example:


    • Bike - £1800
    • Pedals - £120
    • Frame Bag - £80
    • Total Cost = £2000

    Ways to pay:

    1. A loan of £2000: £333 a month, 0% APR Representative annual rate of interest (fixed) over six months

    Total amount repayable: £2000


    1. £283 a month with £300 deposit, 0% APR Representative annual rate of interest (fixed) over six months

    Total amount repayable: £1700



  • Extended terms are available, and lower monthly repayments. Variable payments and flexible deposits. Classic Credit terms for orders over £350. If you choose a 24-month repayment term on Classic Finance, your minimum spend is £250.



    • Bike - £3999
    • Total Cost = £3999

    Ways to pay:

    1. A loan of £3999: £116.29 a month, 14.9% APR Representative annual rate of interest (fixed) over 36 months

    Total amount repayable: £4186.28


    1. A loan of £3599.10 with £399.90 deposit: £104.66 a month, 14.9% APR Representative annual rate of interest (fixed) over 36 months

    Total amount repayable: £3767.65

  • Bikes on finance

  • Flexible Deposit is available; enter the amount you would like to pay upfront at the point of purchase.

    To pay by Classic Finance, please proceed through to checkout, where you will be presented with an option to pay by finance if your purchase qualifies. After your finance method has been selected, you will be forwarded to our finance partner's website to complete your application.

    Please note: When you place your order, V12 Finance will debit the card by the amount of the deposit you selected to pay. This will reduce the available balance on your card account.

    You won't pay a penny until the bike is despatched if you have elected to pay zero deposit.

  • FAQs

  • Will I be eligible for finance?

  • Finance is available on orders of £250 or more placed on our website. This amount includes any additional services and delivery options selected, however, does not take into account any promotions, such as cashback.

    Subject to status. terms and conditions apply.

    You’ll be:

    18 years or older A UK resident for 3 years or more/permanent UK resident Able to make regular repayments by Direct Debit In regular employment (minimum of 16 hours per week), including self-employment or permanent residence with your spouse/partner who’s in regular employment. Have a debit card in your name registered to your address and have a bank or building society current account. Other conditions may apply, and we cannot guarantee that your application will be accepted.

    Vulnerable Person Policy

    At Ribble, we understand the importance for our customers to receive the appropriate information about the products and ways of purchase that we offer to enable them to make an informed decision. Entering a purchase using any payment method, including finance or Cycle-to-Work agreements with their respective terms and conditions, can involve a long-term financial commitment. So, it is considered crucial to Ribble that our customers fully understand their obligations when making a purchase. There are occasions when someone, due to their personal circumstances, may be considered vulnerable or especially susceptible. We, therefore, need to ensure that we consider the circumstances of each individual and, during our dealings with them, tailor our approach, removing any barriers that restrict the customer from accessing our products and achieving a satisfactory outcome.

    Recognising vulnerability

    We realise that a customer may be vulnerable or potentially vulnerable for various reasons, and these may include mental or physical infirmity, age, credulity, addiction, a recent change in circumstances, new to finance commitments or a particular financial product, learning difficulties, illiteracy and have challenges communicating. The reason for the vulnerability could be a permanent or temporary situation. Our colleagues are trained to ask our customers questions and to actively listen to responses to recognise patterns which could indicate if a customer is potentially vulnerable.

    What happens if a customer is identified as being vulnerable?

    Being identified as being vulnerable does not preclude a customer from purchasing from Ribble. Due to the diversity of the factors that can contribute to the level of customer vulnerability, there cannot be one approach that can be universally adopted to fit each circumstance. However, examples of how we may ensure that the customer receives a fair outcome could be how we communicate, ask more questions, take further time to go over things and make suggestions for another family member to be a party to the conversations. If the customer is applying for a finance product, we may consider that before being referred to the lender or entering into a credit agreement, the customer would benefit from taking more time to consider whether they are able to understand the commitment they are entering into fully. As part of the application process, our finance partner may want to discuss further with a customer regarding their application. At this point and only with explicit consent from the customer or their appointed representative, and in accordance with the General Data Protection Regulation (GDPR), we may inform our partner of an identified vulnerability to ensure the correct support is available. The overriding principle in our dealings with vulnerable customers is that fair outcomes are achieved throughout their purchase, and any commitments are fully explained, with as much time for consideration as needed, along with support provided to access or purchase our product. As one of our core business values, ‘We Care. As One', we will always deal with our customers respectfully and with the utmost integrity.

  • How do I select interest-free?

  • Once you have added your bike to the basket, proceed through checkout and select V12 finance as your payment method.

  • How long does it take to apply?

  • It takes approximately 10 to 15 minutes; you will receive a decision immediately upon completing the application.

  • Can I order parts & accessories and select interest-free finance?

  • 0% interest-free finance only applies to complete bikes; parts and accessories can be purchased using classic credit (14.9% or 9.9% APR).

  • Will I be credit checked?

  • Yes. When you apply for finance, the lender will run a credit check on your financial history to see if you are a suitable candidate for finance. This means that this search will show on your credit report.

  • What happens if my application is declined?

  • If your finance application is declined, we will cancel your order, and V12 Finance will not debit your card for the amount of the deposit that you have specified.

  • When do the payments commence?

  • If your application is successful V12 Finance will only initially debit the deposit amount (if specified), and payments will then commence by direct debit on the dates agreed upon in your direct debit agreement. The first instalment will not be debited until after the bike has been shipped.

  • What if I want to make a complaint?

  • In the first instance, please contact our Customer Service team who will be able to help. You can reach the team on 01772 963400.

    If you are dissatisfied with our response and your agreement is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on www.financial-ombudsman.org.uk.

  • What if I wish to return the goods?

  • Bikes purchased under a finance agreement can still be returned as usual. If the goods are returned, your finance agreement will be cancelled. For full details on Returns, please visit our Returns Page.

  • Who are V12 Retail finance limited?

  • Secure Trust Bank PLC owns V12 Retail Finance Limited. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Secure Trust Bank PLC Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: Yorke House, Arleston Way, Solihull, B90 4LH. V12 Retail Finance is the trading name of Secure Trust Bank PLC.

    Ribble Cycles is a trading name of Cyclesport North Ltd. Cyclesport North Ltd acts as a credit intermediary, not the lender and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 541132. Authorised and regulated by the Financial Conduct Authority. Correspondence address: 363 Leach Place, Walton Summit Centre, Bamber Bridge, Preston, Lancashire, PR5 8AS. Company number 4149504. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 204550. Not all products offered through Ribble Cycles are regulated by the Financial Conduct Authority.

    Cyclesport North Ltd’s FRN, or FCA Registration number is 722580.