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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 Barclays Partner 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 Barclays Partner Finance and PayPal Credit with 0% APR finance available on purchases over £250 for Barclays Partner Finance and from £99 for PayPal Credit.

Bike Finance Calculator

Buying on finance?
Find the perfect bike for your budget
Open

I want to spend:

Monthly Total
Plus a deposit*

Choose monthly period:

6
12
18
24
36
48
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

The maximum deposit you can add with this spend is

With an interest rate of

0% APR

Find bikes
Selected option available with:

Barclays Representative Example: If total purchase price is £1,399.00 and your selected term is 36 months 11.9% APR Representative, Annual Interest Rate 11.9% Fixed, you would pay £46.00 per month. Total amount payable will be £1655.83 with a cost of credit of £256.83. Finance is subject to application, financial circumstances and borrowing history. Performance Cycling Limited acts as a credit broker and not the lender, Barclays Partner Finance acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP.

Calculator is for illustration purposes only. Actual monthly repayment figures will be provided by the lender upon application.

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


Barclays Partner Finance

Barclays Partner Finance offers a wide range of bicycle finance options to suit all budgets. Spend over £250 and you can choose a short-term 0% APR finance option or longer term 11.9% APR payment term. 

Barclays Eligibility Checker

You can use the Barclays Eligibility Checker to find out if you are likely to be accepted for a loan through Barclays Partner Finance without affecting your credit score.

Credit is subject to application, financial circumstances and borrowing history.

Tredz is the credit broker and not the lender. Barclays Partner Finance is the lender.

Barclays Partner Finance, Click here to read more about Barclays Partner Finance

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.
  • Be employed, self-employed or retired with a regular income of more than £500 per month.
  • 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.

0% APR Finance Example

0% Finance Representative Example
0% APR example
Purchase price £3,227.96
Credit amount £3,227.96
36 Monthly pay £89.66
Total repayable £3,227.96
Total cost of credit £0
Term duration 36 months
Interest rate 0%

Subject to application, financial circumstances and borrowing history.

11.9% APR Finance Example

Barclays Partner Finance Representative Example
11.9% APR representative example
Purchase price £3,227.96
Credit amount £3,227.96
36 Monthly pay £106.12
Total repayable £3,820.16
Total cost of credit £529.20
Term duration 36 months
Interest rate 11.9% (fixed)

Subject to application, financial circumstances and borrowing history.


Barclays Partner 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 application, financial circumstances and borrowing history.

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


0% APR Thresholds

£250+
Finance Threshold

£500+
Finance Threshold

£1,000+
Finance Threshold

£1,500+
Finance Threshold

£2,500+
Finance Threshold

£4,000+
Finance Threshold

11.9% APR Thresholds#

Finance Threshold

£250+
No Finance Threshold

Finance Threshold

£500+
Finance Threshold

£500+
Finance Threshold

£500+
Finance Threshold

# see representative example above

0% APR Thresholds

11.9% APR Thresholds

6 Months

£250+
Finance Threshold

Finance Threshold
12 Months

£500+
Finance Threshold

£250+
No Finance Threshold

18 Months

£1,000+
Finance Threshold

Finance Threshold
24 Months

£1,500+
Finance Threshold

£500+
Finance Threshold

36 Months

£2,500+
Finance Threshold

£500+
Finance Threshold

48 Months

£4,000+
Finance Threshold

£500+
Finance Threshold

                

                

            

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 11.9% 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 Barclays Partner 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 acts as a credit broker and not the lender, Barclays Partner Finance acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP.


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 36 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 £0
12 Monthly pay £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 36 Months


0% APR Thresholds

£99+
Finance Threshold

£250+
Finance Threshold

£1,000+
Finance Threshold

£1,500+
Finance Threshold

£2,500+
Finance Threshold

0% APR Thresholds

6 Months

£99+
Finance Threshold

12 Months

£250+
Finance Threshold

18 Months

£1,000+
Finance Threshold

24 Months

£1,500+
Finance Threshold

36 Months

£2,500+
Finance Threshold


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

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

Note: Orders can still be placed online and our home delivery service is still operating. Due to the current circumstances we are experiencing high demand so we may take a little longer than usual to despatch your order.

Our Warehouse and Bike Build team are up and running as normal and we are taking active measures to ensure that we are following the government guidance with social distancing and additional health & safety measures have been put in place throughout the business. Please rest assured your order is being processed and will be with you soon; we’re doing everything we can to get your order to you as quickly as possible.

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.
  • Be employed, self-employed or retired with a regular income of more than £500 per month.
  • 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.

Will the Barclays Partner Finance eligibility check affect my credit score?

No, the eligibility check that Barclays Partner Finance carry out won’t impact your credit score. Instead, it will show up on your credit file as a soft search, but it won’t be visible to other lenders. The Eligibility Checker only provides eligibility results for Barclays Partner Finance and not other finance providers.

Who provides the finance?

Our finance is supplied by Barclays Partner 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 Barclays Partner Finance and PayPal Credit. Barclays Partner Finance or PayPal Credit acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 311753). Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP. 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 RCS Luxembourg B 118 349.

Who are Barclays Partner Finance?

We've teamed up with Barclays Partner Finance to offer you a finance payment option. Barclays Partner 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 Clydesdale Financial Services Limited trading as Barclays Partner Finance.

Performance Cycling Limited trading as Tredz acts as a credit broker and not the lender, Barclays Partner Finance acts as the lender. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited, a member of the Barclays group. Clydesdale Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 311753). Registered in England. Registered No: 2901725. Registered Office: 1 Churchill Place, London E14 5HP.

Why do you work with Barclays Partner Finance?

Interest-free and interest-bearing credit agreements are provided on behalf of Tredz by Barclays Partner 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?

Barclays offer 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 Barclays Partner Finance is £50,000. For PayPal Credit, the maximum threshold is £7,999.

When do I start to pay?

With Barclays Partner Finance your first payment is taken 30 days after your first item is despatched.

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 Barclays Partner Finance and PayPal Credit

For Barclays Partner Finance overpayments can be made as soon as the finance agreement is live. Contact Barclays Partner Finance on 0800 15 22 888 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.

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.

Barclays Partner Finance - once the returned goods are received and processed the reduction on your finance agreement will be in your account within two 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 Barclays Partner 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 Barclays Partner Finance application isn't accepted?

If your application for finance isn't successful, then unfortunately Barclays Partner Finance will be unable to finance your purchase. In this instance, you will receive a decline letter, both on-screen and by email. 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.