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Finance Information

bike2work

bike2work
bike2work

Looking for a dream bike or simply just upgrading your current bike, spread the cost over a period of up to 5 years with no extra cost, credit is subject to application and UK Cycle Centre acts as a credit broker and is not the lender.

We understand not everyone is in a position to buy an expensive bike all in one go, having a product on finance means we allow you to spread a product's cost over several months depending on how many months you prefer, and that is why we offer long finance options up to 60 months. You will find companies that offer finance with an interest rate, meaning if you pay monthly for the product, you will end up paying more for it than buying it outright. 0% Finance means you will pay the price of the item with no additional interest, or if you prefer a much longer finance period of 3 years to 5 years then the interest bearing option is just 9.9%.

Omni Capital

We are partnered with independently-owned, Omni Capital. Having listened to their customers, they have developed a high-acceptance rate compared to other competitors such as banks and financial institutions.

Using Omni Capital, we are able to provide the quickest online finance decisions from your applications, as quick as 10 seconds. They are also able to answer your enquiries due to having outstanding customer service.

You must spend a minimum of £280 to qualify and can apply for finance across our entire range of new and approved used bikes, components, clothing and accessories. We offer 0% finance for 6, 9, 12, and 24 months and all new and approved used stock, and 36, 48 and 60 months interest bearing at just 9.9%! All products on Finance require a 10% Deposit as a minimum and 50% deposit as a maximum.

Representative 0% Finance Example;

Product Cost: £1000

Deposit = £100

Credit Amount = £900

6 Months = £150 per month

9 Months =  £100 per month

12 Months = £75 per month

24 Months = £37.50 per month

 

How can I get finance on a product?

Simply add items to your basket and select finance at checkout. Once you complete checkout you will go straight through to your finance application page offering a real simply solution to apply for finance in the comfort of your own home. You will receive a instant decision if you are eligible to have a product on finance.

 

What happens next?
There are 3 possible outcomes for your Finance Application – Accepted, Refereed and Declined

Accepted
We will be notified once your application is complete – we will then contact you during business hours to arrange your deposit payment unless paid to Omni Capital.

We will arrange to dispatch your goods once your deposit is paid, and your application is successful.

Referred
Sometimes a few further checks need to be carried out by underwriters before a decision can be reached.

Most Referrals are resolved quickly, and in some cases you may be asked to clarify certain details (IE if there was a spelling error in your address, or you recently moved). Once your application has been reviewed, you will be notified of the decision.

Declined
Unfortunately you were not Approved for Finance on this occasion. You have a right to appeal if you are declined, details for this will be given if applicable.

If you would prefer to use a different payment method to move forward with your order you can pay via debit/ credit card, bank transfer or PayPal.