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0% APR Finance

Bike Finance

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 £250 or more on any items with us (even discounted items) and you can apply for finance. It only takes minutes and you don't have to put down a deposit. Use our handy finance calculator to see which finance  plan best suits your budget.

Buying on finance?
Use our finance calculator to find a deal to suit you

I want to spend:

Monthly Total
Plus a deposit

Choose monthly period:

15.9% APR 0% APR
Spend over £0 to apply for 0 months 0% APR finance
Sorry, the minimum spend for finance is £250

With an interest rate of

0% APR

Monthly repayments

£ 30

Total payable Total payable / Max order value

£ 0

Max order value

£ 0

With an interest rate of

0% APR

15.9% APR

Find bikes Buy Now, Pay Later available on 12 months 0% finance on orders over £850. Find out more

0% APR Finance

0% Finance Representative 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
 Purchase price £2,227.96 
 Deposit £0 
 Credit amount £2,227.96 
 36 Monthly pay £62.00 
 Total repayable £2,227.96 
 Term duration 36 months 
 Rate of interest 0% 
 Per Month: £62.00 

15.9% APR Finance

0% Finance Representative 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
 Purchase price £675.96 
 Deposit £0 
 Credit amount £675.96 
 36 Monthly pay £23.00 
 Total repayable £842.00 
 Term duration 36 months 
 Rate of interest 15.9% 
 Per Month: £23.00 

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.

Widest 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.)

Finance Representative Example

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. 

Flexible deposit

You can choose any deposit amount you want as long as £250 is outstanding on your application.

How to apply

Applying for bike finance is quick and easy in 4 simple steps. The whole process only takes a few minutes.

Shop Finance


All orders over £250 are eligible for finance

Apply for finance


Click 'apply for finance' at checkout. Choose your deposit and term

Finance decision in minutes


A decision is typically made in a few moments

We'll ship your items


We'll ship your items to your home address

What happens next?

If your finance application is accepted we'll process your order. You'll be contacted to arrange a delivery date that suits you. Your finance monthly payments will not start until one month after we have dispatched your items.  Please note, we cannot ship bike finance orders to any address except the billing address.

Frequently Asked Questions

All you need to know

Am I eligible?
Who provides the finance?
Do you offer a no deposit option?
Can my order be sent to a different address?
Is there a limit to the amount I can spend?
When do I start to pay?
Can I pay off the loan early?
How soon will I get my items?
Can I return an item on Finance?

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.