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Cycle Solutions


If you want to pay using Finance, choose this option in the checkout. If your purchase qualifies (i.e. above £500), Finance will be available as a payment option.

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The value of your purchase will determine which finance options are available.

  • Interest Free Credit is available on products over £500. You choose your deposit amount and payments are spread over the selected term.
  • Classic Credit If your order is greater than £500, spread the cost of your purchase over 24 or 36 months. There is a 10% deposit, 15% APR representative.


To apply for finance you must be:

  • At least 18 years of age
  • A permanent UK resident
  • In regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment
  • In receipt of pension if you are retired
  • If not in employment, you may be required to provide proof of alternative income

**All orders paid for by Finance can only be shipped to the billing address as used on your application.**

Consumer credit services are only available to over 18s and subject to status. Minimum spend applies.

Cycle Solutions (Company No. 05860892) acts as a credit broker and not the lender and only offers finance from V12 Retail Finance, who acts as the lender. V12 Retail Finance is a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: Yorke House, Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with registration number 204550. Cycle Solutions will receive commission from the lender.

For more information please visit

Application process

Select a finance option in checkout from the options available. It takes approximately 5-10 minutes to fill out the online application (which is on V12's secure server). V12 will respond with a decision within minutes. Please note, this will involve a credit search.

You then download, print and sign the Credit Agreement, and send this to V12. When this is received by V12, we will process your order and ship your goods.

If your application is declined, you have the option of choosing an alternative method of payment (i.e. credit/debit card or cheque) and your deposit will be refunded to your card.

Please call V12 on 02920 468900, or call us on 0330 100 2480 if you have unanswered questions, or see the V12 website.

Finance example

Product value is £3000.00