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Howards Cycles

Howards Cycles offers finance through v12, helping you spread the cost of your next new bike, wheels, ect over 6, 12 or 18 months

Financing simply could not be easier.

With a minimum of 10% deposit

How much can I spend

interest rate 15.90% 6 months Under £700

Interest free 6 months £700-£3000
Interest rate 9.90% 24 months
Interest rate 15.90% 36 months

Over £3000
Interest free 12 months
Interest rate 9.90% 24 months
Interest rate 15.90 36 months

Who is eligible for finance?

- Must be 18 or over

- is, or their partner is, in permanent paid employment, self- employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit

- has been a resident in the UK for at least 3 years

- has a debit or credit card in their name, which is registered to their address, in order to pay for the deposit

- has a Bank or Building Society current account available (you'll need this to complete the direct debit instruction)

(Note: finance is not available for unemployed individuals. Applications that have previously been rejected should not be re-proposed within a 3-month period.)

How do I apply for finance?

Finance is available in store and will be completed by a member of staff. This usually takes about 20 minutes to complete.


Credit is subject to status and is 0% Finance provided by V12 Retail Finance. Terms and Conditions apply and these are provided on the application form. V12 Retail Finance will keep a record of any credit search made.

Fixed sum loan agreement regulated by the Consumer Credit Act 1974 between You and V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 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.