0% APR finance with no deposit required
Your new dream bike, kit and clothing are just a few simple clicks away. Whether you're after brand new bike for heading off-road, upgrading your wheels or tracking your performance with a GPS computer, we've got a range of payment options to help you spread the cost.
Spend £99 or more on any items with us (even discounted items) and you can spread the cost with finance. It only takes minutes and you don't have to put down a deposit.
Tredz Finance Providers
Tredz finance is provided by PayPal Credit with 0% APR finance on purchases over £99 and V12 Finance with 0% APR finance on purchases over £250.
V12 finance offers the widest range of bike finance on the market with options to suit all budgets. Spend over £250 and you can choose a short term 0% APR finance option or longer term 15.9% APR payment term. With V12 you can choose any deposit amount that suits you, or none at all. You can even Buy Now and Pay Later and defer payments for 3, 6 or 12 months.
0% APR Finance Example
Spread the cost without paying anything extra
Spread the cost with our 0% APR interest free finance option with no deposit required. With our most popular finance option you don't pay any interest at all for the entire duration of the loan period.
You're getting the best deal with 0% bike finance.
|0% APR example|
|36 Monthly pay||£89.66|
|Term duration||36 months|
|Rate of interest||0%|
15.9% APR Finance Example
Longer term, lower monthly repayments
If you're looking for the lowest monthly repayments so your dream bike doesn't get in the way of your finances, then choose a 15.9% APR finance.
Long repayment plans up to 36 months offer the most affordable monthly package.
|15.9% APR example|
|36 Monthly pay||£23.00|
|Term duration||36 months|
|Rate of interest||15.9%|
Buy Now, Pay Later
Pay nothing for up to 12 months with 0% APR deferred finance
Defer your first payment for 12 months if you spend over £1,500 or 3/6 months on orders over £850 with our Buy Now, Pay Later deferred finance options.
Buy now and pay next year to get your new bike straight away at 0% APR finance, without even having to pay a deposit! Simply choose the ‘Buy Now, Pay Later’ tab when applying for finance from the checkout.
V12 Finance Options
We offer some of the widest finance terms available to give you the best choice. See the tables below for more details. (Subject to status. Terms and conditions apply.)
Variable payments for your budget
At Tredz we make finance easy. You can choose from a range of flexible finance repayments from 6 months up to 48 months. Go with a 0% APR finance deal with absolutely no interest on payments or a longer term 15.9% APR option with lower monthly payments.
You can choose any deposit amount you want as long as £250 is outstanding on your application.
With PayPal Credit you can be eligible for 0% APR Finance for up to 12 months with a basket value of just £99.00, perfect for buying bike clothing, performance upgrades for your bike and powerful gadgets to refine your training regime.
0% APR Finance Example
The lowest 0% APR finance value available
PayPal Credit offers the best value for money when it comes to 0% APR finance. With a basket of just £99.00 you can be eligible for 0% APR finance for 6 or 12 months; perfect if you want to treat yourself to a new piece of kit but don't want to be tied into a long repayment.
|0% APR example|
|12 Monthly pay||£50.83|
|Term duration||12 months|
|Rate of interest||0%|
PayPal Credit Finance Options
How To Apply For Finance
Applying for bike finance is quick and easy in 4 simple steps. The whole process only takes a few minutes.
All orders over £99 are eligible for finance
Click 'apply for finance' at checkout. Choose your deposit and term
A decision is typically made in a few moments
We'll ship your items to your home address
Frequently Asked Questions
All you need to know
To apply for finance you must be:
- At least 18 years old.
- A permanent UK resident.
- In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
- In receipt of a pension if you are retired.
- Able to confirm sufficient income if you are registered disabled.
We've teamed up with V12 Retail Finance Limited to provide flexible and affordable options to pay for your goods on finance. If your application for finance is successful, you will enter into a Credit Agreement with either Secure Trust Bank PLC or Omni Capital Retail Finance Limited. V12 Retail Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 679653 and acts as a credit broker for Secure Trust Bank PLC and Omni Capital Retail Finance Limited. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 720279. V12 Retail Finance is a trading name of Secure Trust Bank PLC.
Yes we do. You can place any size deposit you want as long as there is £250 outstanding on your items. No deposit (£0) is available on all finance options.
Finance orders can only be shipped to the address given in your finance application.
The maximum threshold for V12 Finance is £15,000 per order. For PayPal Credit, the maximum threshold is £8,000.
With V12 you don't start paying for finance until a month after the date we dispatch your items to you.
On PayPal Credit your first instalment is taken when your order has been dispatched.
Yes you can with V12 and PayPal Credit. For V12 simply call 02920 468900 and they will help arrange this with you.
Paying your loan off early with PayPal Credit is easy. Login to your PayPal account, select 'Wallet' and click 'PayPal Credit'. Click 'Make a payment' and then enter the amount to repay your balance, then click 'Continue'. Select which card or bank you'd like to fund the payment with and then click 'Continue'. Finally, click 'Pay'. Alternatively you can call PayPal customer service on 0800 368 7155 and they will help arrange this with you.
If finance is accepted your items will be built and shipped as soon as possible. This could take as little as 24 hours.
Yes. You can return any item on finance. It will take V12 between 3-5 days to cancel finance and your deposit and previous payments will be refunded to your account.
With PayPal Credit, just return your purchase as normal and the money will be refunded to your PayPal Credit account.
Please note: you can’t return an item on finance if it reduces the minimum value of your basket to below £99 for PayPal Credit or £250 for V12 Finance.
We can an exchange a like-for-like item or a different product of the same value. Or, we can offer you a voucher of the same value as the item(s) you are returning. This voucher can be used for any item and is valid up to one year.
Please call us on 01792 799508 if you are unsure how to proceed.
If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit. Just select one of available instalment offers and check out with PayPal Credit.
Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.
Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.
Just return your purchase as normal and the money will be refunded to your PayPal Credit account.
IMPORTANT INFORMATION: Tredz & Tredz Bikes are trading names for Performance Cycling Ltd. Performance Cycling is a licenced credit broker "Licence Number 0499072" Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. Tredz acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 541132. Registered office: One 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. The address of Performance Cycling Ltd is Icknield Street Drive, Washford West, Redditch, Worcestershire, B98 0DE. The address of Tredz is Swansea Enterprise Park, 3 Castell Close, Swansea SA7 9FH.
Tredz is a trading name of Performance Cycling Ltd. Performance Cycling Limited acts as a broker and offers credit from PayPal Credit. PayPal Credit is trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. Société en Commandite par Actions Registered Office: 22-24 Boulevard Royal L-2449, Luxembourg.