Finance

Spread the cost of your new bike or basket of products, when you spend £250 and over, with our competitive finance packages. Choose one of the monthly finance plans from Barclays Partner Finance. You can apply for finance at the payment stage of the checkout process.


Option 1 - Interest Free Credit

0% APR Representative


Available On Selected Bikes Only

Choose our Interest Free Credit option, and spread the cost of your bike over a period of up to 24 months with no extra costs.

See representative example opposite.

Who Can Apply For Finance

  • To qualify you need to buy one of our bikes
  • Applicant must be 18 years or over on application date.
  • In permanent UK Residence - minimum of 3 years.
  • Fulfill one of the following employment criteria.
    • In regular, permanent employment working a minimum of 16 hours per week (includes students).
    • Retired from regular employment. Minimum age 50.
    • Not working through disability.
    • Self-Employed.
Representative Example
Total amount payable£1,500
Item value (Cash price)£1,500
Deposit£0
Total amount of credit£1,500
Agreement duration12 Months
Annual rate of interest0% P.A
Representative APR0% APR
12 monthly payments£125.00

Merlin Cycles Limited acts as a credit broker and not the lender. Credit is subject to application and status.

Option 2 - Buy Now Pay Later

19.9% APR Representative


With our Buy Now Pay Later finance option, you can place your order today and pay nothing for 6 months when you spend over £250.

You can choose to pay in full by the end of the 6 months and simply pay a £29 settlement fee (no interest to pay), or alternatively you can spread the cost and pay monthly. See representative example opposite.

Who Can Apply For Finance

  • To qualify you need to spend over £250
  • Applicant must be 18 years or over on application date.
  • In permanent UK Residence - minimum of 3 years.
  • Fulfill one of the following employment criteria.
    • In regular, permanent employment working a minimum of 16 hours per week (includes students).
    • Retired from regular employment. Minimum age 50.
    • Not working through disability.
    • Self-Employed.
Representative Example
Total amount payable£2,113.92
Item value (Cash price)£1,500
Deposit£0
Total amount of credit£1,500
Agreement duration36 Months
Annual rate of interest19.9% P.A
Representative APR19.9% APR
36 monthly payments£58.72

Merlin Cycles Limited acts as a credit broker and not the lender. Credit is subject to application and status.

 

N.B. If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.

Option 3 - Pay Monthly Finance

9.9% APR Representative


Our classic finance options, allows you to spread the cost of your products over a period of up to 36 months.

Baskets £400-£600 12months, £600-£1000 24 months, over £1000 36 months

See representative example opposite.

Who Can Apply For Finance

  • Applicant must be 18 years or over on application date.
  • In permanent UK Residence - minimum of 3 years.
  • Fulfill one of the following employment criteria.
    • In regular, permanent employment working a minimum of 16 hours per week (includes students).
    • Retired from regular employment. Minimum age 50.
    • Not working through disability.
    • Self-Employed.
Representative Example
Total amount payable£1,652.64
Item value (Cash price)£1,500
Deposit£0
Total amount of credit£1,500
Agreement duration24 Months
Annual rate of interest9.9% P.A
Representative APR9.9% APR
24 monthly payments£68.86

Merlin Cycles Limited acts as a credit broker and not the lender. Credit is subject to application and status.


Merlin Cycles Limited, Unit A4-A5 Buckshaw Link, Ordnance Road, Chorley PR7 7EL - Company number: 02826103 acts as a credit broker and not the lender Merlin Cycles Limited only offers products from Barclays Partner Finance. Barclays Partner Finance is a trading name of Clydesdale Financial Services Limited a wholly owned subsidiary of Barclays Bank PLC. 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.