We offer a flexible choice of finance options
Spend £300* or more with us and you can apply to spread the cost with our finance partner V12**. You can choose how much deposit you want to pay - whether it's half the cost or nothing at all.
Classic Finance (14.9% APR) is available over 24 or 36 months.
0% Interest Finance is available over 6, 9, 12, 24 or 36 months dependent upon the cost of the bike.
* If you choose a 24-month repayment term on Classic Finance your minimum spend is £300.
**Subject to Status. Terms and conditions apply.
Finance on Ribble Bikes
0% Interest Finance is available on all Ribble bikes with the exception of Special Offer / Special Edition and Clearance bikes*.
*Minimum spend £1000
Use this calculator to compare the options and see which finance option suits your purchase.
HOW TO APPLY:
Step 1 – Shop: Add products totalling over £300* to your basket and select ‘V12 finance' as your payment method in the checkout.* If you choose a 24-month repayment term on
Classic Finance your minimum spend is £300.
Step 2 – Apply: Choose your preferred payment plan. Choose your deposit amount. Complete a simple online application form through our finance partner V12 Finance.
Step 3 – Ride: Once confirmation is received from V12 we will proceed with your order to get you out there enjoying your new bike.
0% Interest Finance
Spread the cost interest-free
Spreading the cost interest-free. Add products totalling over £1000 to your basket and select ‘V12 finance' as your payment method in the checkout.
0% Interest Finance is available over variable periods on all Ribble bikes with the
exception of Special Offer/Special Edition and Clearance Bikes.
BikeBuilder Bike - £1,800
Helmet - £120
Shorts - £80
Total Cost = £2,000
£222 a month, 0% APR over 9 months
£189 a month with £300 deposit, 0% APR over 9 months
Choose a 24 or 36 month payment plan at 14.9% APR
Extended terms are available and lower monthly repayments. Variable payments and flexible deposits. Classic Credit terms for orders over £300*.
* If you choose a 24-month repayment term on Classic Finance your minimum spend is £250.
GPS - £350
Helmet - £120
Shorts - £80
Total Cost = £550
£18.78 a month, 14.9% APR over 36 months
£16.91 a month with £55 deposit, 14.9% APR over 36 months
Bikes on Finance
Flexible Deposit available, simply enter the amount you would like to pay up front at the point of purchase.
To pay by Classic Finance please proceed through to checkout where you will be presented with an option to pay by finance if your purchase qualifies. After your finance method has been selected, you will be forwarded to our finance partner's
website to complete your application.
Please note: When you place your order V12 Finance will debit the card by the amount of the deposit that you have selected to pay. This will reduce the available balance on your card account.
*You won't pay a penny until the bike is despatched.
*If you have elected to pay zero deposit.
Will I be eligible for finance?
Finance is available on orders of £300 or more*, placed on our website (£300 lower limit for 24-month repayment terms on Classic Finance). This amount includes any additional services and delivery options selected, however does not
take into account any promotions, such as cashback.
*Subject to status. terms and conditions apply.
- 18 years or older
- A UK resident for 3 years or more/permanent UK resident
- Able to make regular repayments by Direct Debit
- In regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who’s in regular employment.
- Have a debit card in your name and registered to your address and have a bank or building society current account.
- Other conditions may apply and we cannot guarantee that your application will be accepted.
How do I select interest-free?
Once you have added your bike to the basket and proceeded through the checkout, simply select V12 finance as your payment method.
How long does it take to apply?
It takes approximately 10 to 15 minutes and you'll receive a decision immediately upon completion of the application.
Will I be credit checked?
Yes. When you apply for finance, the lender will run a credit check on your financial history to see if you are a suitable candidate for finance. This means that this search will show on your credit report.
What happens if my application is declined?
If your finance application is declined we will cancel your order and V12 Finance will not debit your card for the amount of the deposit that you have specified.
When do the payments commence?
If your application is successful, V12 Finance will only initially debit the deposit amount (if specified) and payments will then commence by direct debit on the dates agreed upon in your direct debit agreement. The payments will not commence until after the bike has been shipped.
What if I wish to return the goods?
Bikes purchased under a finance agreement can still be returned as usual but are not subject to the 30-day test ride promise. If the goods are returned, your finance agreement will be cancelled. For full details on Returns, please visit our Returns Page.
Who are V12 Retail finance limited?
V12 Retail Finance Limited is owned by Secure Trust Bank PLC. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Secure Trust Bank PLC Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: One Arleston Way, Solihull, B90 4LH. V12 Retail Finance is a trading name of Secure Trust Bank PLC.
Ribble Cycles is a trading name of Cyclesport North Ltd. Cyclesport North Ltd 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.