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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

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

The maximum deposit you can add with this spend is

With an interest rate of

0% 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 £3,227.96 
 Deposit £0 
 Credit amount £3,227.96 
 36 Monthly pay £89.66 
 Total repayable £3,227.96 
 Term duration 36 months 
 Rate of interest 0% 
 Per Month: £89.66 

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.)

V12 Finance Options

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 6 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 up to 6 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 over £250 and you'll be eligible for 0% finance up to 12 months.

 0% APR example
 Purchase price £609.97 
 Deposit £0 
 Credit amount £0 
 12 Monthly pay £50.83 
 Total repayable £609.97 
 Term duration 12 months 
 Rate of interest 0% 
 Per Month: £50.83 
0% APR Finance example

PayPal Credit Finance Options

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.

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?

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.
Who provides the finance?

Our finance is supplied by V12 Retail Finance and PayPal Credit.

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.

Do you offer a no deposit option?

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.

Can my order be sent to a different address?

Finance orders can only be shipped to the address given in your finance application.

Is there a limit to the amount I can spend?

The maximum threshold for V12 Finance is £15,000 per order. For PayPal Credit, the maximum threshold is £8,000.

When do I start to pay?

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.

Can I pay off the loan early?

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.

How soon will I get my items?

If finance is accepted your items will be built and shipped as soon as possible. This could take as little as 24 hours.

Can I return an item on Finance?

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.

Do I need to reapply if I already have PayPal Credit?

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.

Do I need to have a PayPal account for 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.

What do I do if I am unsuccessful in applying for PayPal Credit?

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.

What happens if I want to return the item I bought using my PayPal Credit?

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 720557" 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.