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 Hitachi Personal 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 apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

Frequently Asked Questions

Answers to frequently asked questions about finance can be found here.

Representative Example
Total amount payable £1,500
Item value (Cash price) £1,500
Deposit £150
Total amount of credit £1,350
Agreement duration 12 Months
Annual rate of interest 0% P.A Fixed
Representative APR 0% APR
12 monthly payments £112.50

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


Available on baskets over £250

With our Buy Now Pay Later finance option, you can place your order today and pay nothing for 12 months when you spend over £250.

You can choose to pay in full by the end of the 12 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 apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

Frequently Asked Questions

Answers to frequently asked questions about finance can be found here.

Representative Example
Total amount payable £2,233.68
Item value (Cash price) £1,500
Deposit £150
Total amount of credit £1,350
Deferral Period 12 Months
Agreement duration 36 Months
Annual rate of interest 19.9% P.A Fixed
Representative APR 19.9% APR
36 monthly payments £57.88

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


Available on baskets over £250 (£300 for 48 month option)

Our classic finance options, allows you to spread the cost of your products over a period of up to 48 months.

See representative example opposite.

Who Can Apply For Finance

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

Frequently Asked Questions

Answers to frequently asked questions about finance can be found here.

Representative Example
Total amount payable £1,637.52
Item value (Cash price) £1,500
Deposit £150
Total amount of credit £1,350
Agreement duration 24 Months
Annual rate of interest 9.9% P.A Fixed
Representative APR 9.9% APR
24 monthly payments £61.98

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