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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 £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. Use our handy finance calculator to see which finance  plan best suits your budget.

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.

Bike Finance Calculator

Buying on finance?
Find the perfect bike for your budget

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 Selected option available with:

*Deposits are not available with PayPal Credit. †See footer for PayPal Credit representative example.

V12 Finance

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

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 Example

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.

6 months Deferred Finance Example
12 months deferred finance example

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.)

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.

PayPal Credit

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. PayPal Credit offers a 2 year 0% APR option on baskets over £199 if you want to spread the cost over a longer period.

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. Spend a little more (just £199) for 0% APR finance for up to 2 years.

 0% APR example
 Purchase price £1,815.97 
 Deposit £0 
 Credit amount £0 
 24 Monthly pay £75.67 
 Total repayable £1,815.97 
 Term duration 24 months 
 Rate of interest 0% 
 Per Month: £75.67 
0% APR Finance example

PayPal Credit Finance Options

Finance Representative Example

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.

Shop Finance


All orders over £99 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.

Want to speak to one of our bike specialists - call 01792 346 501

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?
Do I need to reapply if I already have PayPal Credit?
Do I need to have a PayPal account for PayPal Credit?
What do I do if I am unsuccessful in applying for PayPal Credit?
What happens if I want to return the item I bought using my PayPal Credit?

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.