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We offer a flexible choice of finance options

Spend £350* or more with us and you can apply to spread the cost with our finance partner V12. We allow you to control how much deposit you want to pay - whether it's half the cost or nothing at all you can choose.

Classic Finance (14.9% APR) is over 24 or 36 months.

INTEREST-FREE RIBBLE BIKES

0% Interest Finance over 9 months is available on all Ribble bikes with the exception of Special Offer / Special Edition and Clearance bikes.

0% Interest Finance over 18 months is available on all bikes over £1,500.

* If you choose a 24-month repayment term on Classic Finance your minimum spend is £250.

Finance Calculator

Use this calculator to compare the options and see which finance option suits your purchase.


£
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Total amount repayable .
APR representative.

Finance is subject to status. Terms and conditions apply.

HOW TO APPLY:

Step 1 – Shop: Add products totalling over £350* to your basket and select ‘V12 finance' as your payment method in the checkout.* If you choose a 24-month repayment term on Classic Finance your minimum spend is £250.

Step 2 – Apply: Choose from 9, 24 or 36 month repayment terms. Choose your deposit amount. Fill in your details and complete a simple application form.

Step 3 – Ride: Once confirmation is received from V12 we proceed with your order to get you out there enjoying the ride.

0% Interest Finance – Spread the cost over 9 months interest free

Spreading the cost interest free. Add products totalling over £350 to your basket and select ‘V12 finance' as your payment method in the checkout.
0% Interest Finance over 9 months is available on all Ribble bikes with the exception of Special Offer / Special Edition and Clearance Bikes.

Examples:-

BikeBuilder Bike - £1,800
Helmet - £120
Shorts - £80
Total Cost = £2,000
£222 a month, 0% APR over 9 months
or
£189 a month with £300 deposit, 0% APR over 9 months

Classic Finance – Choose a 24 or 36 month payment plan at 14.9% APR

Long terms 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.

Examples:-

GPS - £350
Helmet - £120
Shorts - £80
Total Cost = £550
£18.78 a month, 14.9% APR over 36 months
or
£16.91 a month with £55 deposit, 14.9% APR over 36 months

Flexible Deposit available, simply enter the amount you would like to pay up front 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. Once your finance has been accepted and we receive your order we will contact you within 1 to 3 Working Days to collect your deposit.

Please note: When you place your order your card will be pre-authorised by us for the deposit amount. This will reduce the available balance on your credit/debit card.

FAQs

Will I be eligible for finance?

Finance is available on orders of £350 or more, placed on our website (£250 lower limit for 24-month repayment terms on Classic Finance). This amount includes any additional services and delivery options selected, however does not take into account any promotions, such as cashback.

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 in permanent residence with your spouse/partner who’s in regular employment*
  • Have a debit card and credit card in your name and 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.

*If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

How do I select interest free?

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

How long does it take to apply?

It takes 10 to 15 minutes and you'll get an answer there and then.

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 the pre-authorisation will also be cancelled. It may take up to 5 working days for this pre-authorisation cancellation to take effect.

WHO ARE V12 RETAIL FINANCE LIMITED?
V12 Retail Finance Limited are owned by Secure Trust Bank PLC. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 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: One Arleston Way, Solihull, B90 4LH. V12 Retail Finance is a trading name of Secure Trust Bank PLC.