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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 a 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. Finance is provided by Novuna Personal Finance and PayPal Credit.

Spend £99 or more on any items with us (even discounted items) and you can spread the cost with finance. It only takes minutes, use our handy finance calculator to see which finance plan best suits your budget.

Tredz Finance Providers

 Finance is provided by Novuna Personal Finance and PayPal Credit with 0% APR finance available on purchases over £250 for Novuna Personal Finance and from £99 for PayPal Credit.

Bike Finance Calculator

Finance Calculator
View available finance options
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I want to spend:

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Available finance options:

Months / APR Per month

Finance provider options available

Please note: PayPal Credit finance orders can only be delivered to your home billing address within the UK (excluded Northern Ireland). With Novuna Personal Finance you can specify an alternative shipping or click & collect address when you make your finance application


Novuna Personal Finance

Novuna Personal Finance offers a wide range of finance options to suit all budgets:

  • 0% APR finance: For short terms or large spends you can spread the cost over up to 48 months with no additional costs.
  • 14.9% APR Finance: For longer terms on lower spends you can choose to spread the cost paying 14.9% interest over your chosen period.
  • Buy Now Pay Later (BNPL): Our deferred finance option allows you to take a payment holiday for 12 months then spread the cost over the following 12 or 24 months at 9.9% APR interest. This also gives you the option to pay off the full amount before the payment holiday period ends at 0% APR interest with a £29 administration fee. It is important to note that interest is calculated from the start of the agreement, which means that interest will accrue during the holiday period.

See our representative examples below to see how this could work for you.

Representative Example 0% APR Finance

0% Finance Representative Example
0% APR representative example

Purchase price £4,255.52
Deposit £0
Credit amount £4,255.52
Monthly payment £354.63
Total repayable £4,255.52
Total cost of credit £0
Term duration 12 months
Payment Holiday NA
Interest rate 0%

Representative Example 14.9% Example

Novuna Partner Finance Representative Example
14.9% APR representative example
Purchase price £4,255.52
Deposit £0
Credit amount £4,255.52
Monthly Payment £145.38
Total repayable £5,233.68
Total cost of credit £978.16
Term duration 36 months
Payment Holiday NA
Interest rate 14.9% p.a fixed

Representative Example 9.9% APR Buy Now Pay Later

Novuna Personal Finance
Buy Now Pay Later, 9.9% APR representative example
Purchase price £4,255.52
Deposit £0
Credit amount £4,255.52
Monthly Payment £213.02
Total repayable £5,112.48
Total cost of credit £856.96
Term duration 36 months
12 month payment holiday followed by 24 monthly payments of £213.02
Interest rate 9.9% p.a fixed

Subject to application, financial circumstances and borrowing history.


Novuna Personal Finance Options

We offer some of the widest finance terms available to give you the best choice.

See the tables below for more details on repayment periods and minimum spends for the various option. Subject to application, financial circumstances and borrowing history.

6 Months 12 Months 18 Months 24 Months 30 Months 36 Months 48 Months

0% APR
min spend

£250+

£1,000+

£1,500+

£2,500+

£3,500+

£5,000+

£8,000+

14.9% APR
min spend

Finance Threshold

£250+

Finance Threshold

£500+

Finance Threshold

£500+

£500+

Buy Now Pay Later

12 MONTHS DEFERRED

+ 12 Months
12 MONTHS DEFERRED

+ 24 Months

9.9% APR Buy Now Pay Later
min spend

£500+

£2,000+

0% APR min spend

14.9% APR min spend

6 Months

£250+

Finance Threshold
12 Months

£500+

£250+

18 Months

£1,000+

Finance Threshold
24 Months

£2,000+

£500+

30 Months

£3,500+

Finance Threshold
36 Months

£5,000+

£500+

40 Months

£6,000+

Finance Threshold
48 Months

£8,000+

£500+

                

                

            

Buy Now Pay Later

9.9% APR Buy Now Pay Later
min spend

12 MONTHS DEFERRED
+ 12 Months

£500+

12 MONTHS DEFERRED
+ 24 Months

£2,500+

                

                

            

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 9.9% APR Buy Now Pay later option with a choice of 12 or 24 deferred payment options, or a longer-term 14.9% APR option with lower monthly payments.

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. 

Overpayments

Once your Novuna Personal Finance account is live you are able to make overpayments to help clear your balance sooner. Overpayments will reduce the term of your loan, minimum monthly payments remain the same.


Finance is subject to application, financial circumstances and borrowing history. Performance Cycling Limited FRN: 03398601 trading as Tredz are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender – credit is subject to status and affordability and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply. 


PayPal Credit

With PayPal Credit you could be eligible for 0% APR finance repayable over 6 months on basket values as low as £99. Repayment terms up to 48 months are available on larger amounts. See the table below for PayPal Credit finance options.

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
Credit amount £609.97
Monthly Payment £50.83
Total repayable £609.97
Term duration 12 months
Interest rate 0%
Per month: £50.83

Subject to status

0% APR Finance example

PayPal Credit Finance Options

6 Months 12 Months 18 Months 24 Months 30 Months 36 Months 48 Months

0% APR Thresholds

£99+

£250+

£1,000+

£1,500+

£2,000+

£2,500+

£3,000+

0% APR Thresholds

6 Months

£99+

12 Months

£250+

18 Months

£1,000+

24 Months

£1,500+

30 Months

£2,000

36 Months

£2,500+

48 Months

£3,000



PayPal Pay in 3

Pay in 3 is a 2-month fixed term loan consisting of 3 interest-free payments over a 2-month period (months 0, 1, 2)

Pay in 3

For Purchases between £30 and £2,000, Make one payment today then pay the rest monthly. Apply easily and get an instant decision, when you checkout with PayPal and choose pay in 3.

Pay in 3 Example
Purchase price £505.20
Credit amount £336.80
Monthly Payment £168.40
Total repayable £505.20
Term duration 2 months
Interest rate 0%
Per month: £168.40

Subject to status

0% APR Finance example

Available for purchases of £30 to £2,000. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. Pay in 3 is a form of credit, may not be suitable for everyone. Use may affect your credit score or make credit less accessible or more expensive for you. Consider if affordable for you. Terms and conditions apply. PayPal Pay in 3 is a trading name of PayPal UK Ltd Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.



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

Shop

All orders over £99 are eligible for finance

Apply for finance

Apply

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

Choose your Finance provider and term at checkout

Finance decision in minutes

Decision

A decision is typically made in a few moments

We'll ship your items

Ride

We'll ship your items to your 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.


Live Chat is the quickest way to get in touch

The best way to contact us is to use Live Chat by clicking the widget at the bottom right of your screen

Frequently Asked Questions

All you need to know

Am I eligible?

Please note there are some minimum criteria if you later decide to apply for finance. To apply you must:

  • Be at least 18 years old.
  • Be in full time work (16 hours or more a week), retired, or in receipt of disability allowance.
  • Have been a UK resident for three years or more.
  • Have a mobile phone number.
  • Have an email address.
  • Have a UK bank account from which Direct Debits can be taken.
  • Be up to date on other credit repayments without recent defaults, County Court Judgments (CCJs) or bankruptcy.
Will I be credit checked?

Yes, you will be credit checked.

A credit check will be carried out on your financial history to see if you are a suitable candidate for finance. This check will remain on your credit report for 12 months.

Who provides the finance?

Our finance is supplied by Novuna Personal Finance and PayPal Credit.

Performance Cycling Limited trading as Tredz. Registered office: Icknield Street Drive, Washford West, Redditch, Worcestershire, England, B98 0DE, Company No. 03398601, acts as a credit broker and not the lender. Performance Cycling Limited trading as Tredz only offers products from Novuna Personal Finance and PayPal Credit. Novuna and Novuna Personal Finance are trading names and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply. PayPal Credit is a trading name of PayPal UK Ltd Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. Terms & Conditions Apply.

Who are Novuna Personal Finance?

We've teamed up with Novuna Personal Finance to offer you a finance payment option. Novuna Personal Finance provide retail point of sale credit through an online paperless application and processing system. If your application is successful, you’ll enter into a credit agreement with Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance.

Performance Cycling Limited trading as Tredz offers products from Novuna Personal Finance. Novuna and Novuna Personal Finance are trading names and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.

Why do we work with Novuna Personal Finance?

Interest-free and interest-bearing credit agreements are provided on behalf of Tredz by Novuna Personal Finance, who also supply finance for some of the UK’s most renowned brands.

How does the finance application process work?

After you have selected finance at the checkout, you will be offered the applicable finance terms. Once you have selected your finance term, you will be redirected to your selected finance provider to complete your credit application. This is a short process where you’ll be asked to supply your name, address, employment and banking details, as well as additional information, like marital and residential status, and number of dependents, which will help your selected finance provider make the credit decision. If you already have a PayPal account, you may not need to supply these details as they are already held on file against your PayPal account’ .

Please note, a mobile number and email address are mandatory for applying for a finance application. If a customer does not have a valid email address, unfortunately you will not be able to apply for the finance. If your application is accepted, you will then be presented with your finance agreement, which you will be able to sign with one click of your mouse or tap of your finger.

Can my order be sent to a different address?

Novuna Personal Finance offers the option of shipping to an address that is different to the billing address. Your shipping address must be specified when you make your finance application.

Is there a limit to the amount I can spend?

The maximum threshold for Novuna Personal Finance is £25,000. For PayPal Credit, the maximum threshold is £20,000.

When do I start to pay?

With Novuna Personal Finance your first payment is taken 30 days after your first item is despatched. With Buy Now Pay Later your first payment is deferred for 12 months.

With PayPal Credit your first payment is taken when your order has been dispatched.

Can I pay off the loan early?

Yes you can with Novuna Personal Finance and PayPal Credit.

For Novuna Personal Finance overpayments can be made as soon as the finance agreement is live. Contact Novuna Personal Finance direct to take a one-off payment over the phone using credit/debit card. Or create a standing order for regular payments. Overpayments will reduce the term not the minimum monthly repayment. With Buy Now Pay Later, if you settle your agreement within the agreed payment holiday period there is an early settlement fee of £29.00. It is Important to note that Interest is calculated from the start of the agreement, which means that interest will accrue during the holiday period.

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.

Novuna Personal Finance - once the returned goods are received and processed the reduction on your finance agreement will be in your account within two-three working days.

PayPal Credit - return your purchase as normal and the money will be refunded to your PayPal Credit account within two working days.

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 Novuna Personal Finance.

We can exchange a product for one 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 contact us on Live Chat, or call 01792 799508 if you have any questions.

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 happens if my Novuna Personal Finance application isn't accepted?

If your application for finance isn't successful, then unfortunately Novuna Personal Finance will be unable to finance your purchase. In this instance, you will receive a decline letter, both on-screen and by email. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications. You will still have the option to purchase your items in full using a valid debit or credit card or with PayPal Credit.

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.

For Distance (online & Mail Order) Selling:

Under the Consumer Contracts Regulations 2014, a customer is allowed to return an item if they simply change their mind. A customer has the right to cancel at any time from the moment they place their online order, and up to 14 days from the day they receive the goods. The customer then has a further 14 days from the date they notify the retailer of their cancellation to return the goods. Note, there are exemptions to online returns which include tailor made/personalised goods.

For Faulty Goods:

Under the Consumer Rights Act 2015, a customer has an early right to reject goods that are unsatisfactory quality, unfit for purpose or not as described, and get a full refund. This right is limited to 30 days from the date the customer took ownership of the goods. If an item is faulty and needs to be returned, the customer does not need to pay postage costs for the return of the faulty item. If a customer is asked to return an item that arrived damaged, not as described or faulty, the retailer should refund the total cost of the return.

Complaints Procedure:

At Tredz, we are committed to providing our customers with the best possible service. We take accountability and want to make sure we deliver on our promises, however we understand that sometimes things do not always go to plan, and we may need to put things right.

If things do not go to plan or you are not satisfied with any product or service, we have provided; our internal complaint handling procedures are there to support you and recognise your concerns

More information can be found on our Complaints Procedure.