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Words by bike zone oxford on 30/05/2017 11:55:16


Spreading the cost

We offer Finance on bikes and a number of accessories over the value of £500 through V12 Retail Finance. This allows you to get the bike you want or need now, and spread the payments across anything from 6 to 48 months, dependent upon how much you are spending and how you wish to spread the repayment amounts.

Application process

Once you have chosen your bike a Sales Assistant will fill out an Online Application with you. It’s a quick process lasting about 10 minutes and the decision is normally given immediately unless the application is referred in which case V12 will endeavour to give a decision within 10 minutes.
Upon approval, the deposit is paid, the paperwork signed and you are free to ride away.


Bike Price (inc vat):


Deposit Amount (10%):        


Amount of Credit:


Interest at 0% APR:


12 Monthly Payments of:


Sale bikes and other promotions

Please note that Sale Prices are not available on 0% Finance nor can 0% Finance be used in conjunction with any Cycle to Work Schemes or any other discounts or promotions.

Should you wish to purchase a Sale Bike through 0% Finance, please speak with us and we will work out a price on 0% Finance.


A minimum 10% Deposit is required; you also have the option to leave a larger deposit, this would reduce your monthly repayments

Eligibility for credit

In order to apply for credit with V12 Finance you must:

· Be at least 18 years of age and under 75 years of age

· Be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age; or in receipt of an invalidity or disability allowance

· Be a UK resident

· Be able to make repayments by direct debit

· Have a debit or credit card in their name and registered to their address (you’ll need this to match the address used to complete the identity verification)

· Have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

· Provide your previous address if you have lived at your current address for less than 3 years

· Provide Photographic ID