Finance Information

0% Finance - an excellent way to spread the cost.

Here at All Terrain Cycles we want to make buying your dream bike and accessories a reality by offering finance packages up to 36 months. With 0% finance there are no hidden extras ensuring your budget stretches further, with none of your cash going towards paying off the added burden of interest charges.

Finance Calculator 0% APR


Select Value...
Minimum Deposit...

Monthly Plan...


Monthly Payment


Bike Finance Selection
Bike Finance Selection

Finance Calculator 15.9% APR


Select Bike Value...
Minimum Deposit...

Monthly Plan...

Monthly Payment

If you are spending over £250 it couldn't be simpler:

  1. Choose the products you want from All Terrain Cycles
  2. Add them to your basket
  3. Choose from the available bike finance options at the basket stage
  4. Complete the Credit Application form
  5. And we do the rest!

For Online Customers no exchange of documents or ID, just a simple esignature to complete the deal. In store all we require is a Debit or Credit card that belongs to the applicant, from which the deposit can be charged.

0% Finance

All bikes and accessories are available on 0% finance excluding some Hot Deal Bikes. The basket has to be over £250 and payments can be spread over a period of 6 - 36 months. Whilst a deposit is not required , we strongly recommend that you do put a deposit of at least 10% down , as this significantly improves your chances of acceptance.

15.9% APR Finance

All products including Hot Deal Bikes are available at 15.9% finance if your basket is over £250, a 10% deposit is required.

Finance Available on UK Orders Only

Unfortunately we are unable to offer finance deals to overseas orders.

If you apply for finance on a web order, your order will be processed. We do not offer a credit check facility.

Deposits must be paid with a credit / debit card belonging to the Finance Applicant and finance orders can only be delivered to the Finance Applicants home address.

If you're not sure whether you'd like to apply online or not then we also offer finance in our stores. Feel free to drop by, have a look around for the items you want and our sales team will help you fill in an application form on the day.


Frequently asked Questions

All you need to know

Am I eligible?

To apply for finance you must be:

  • At least 18 years old.
  • A permanent UK resident.
  • In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
  • In receipt of a pension if you are retired.
  • Able to confirm sufficient income if you are registered disabled.

Meeting this criteria does not guarantee acceptance.

What happens to my deposit if my finance application is not approved?

If you are declined by our finance partners we will contact you to see what course of action you now wish to take. We may be able to offer an alternative finance provider or you may wish to purchase the goods by full payment. Alternatively you may wish to cancel the order.

Your deposit at this stage is only preauthorised and no payment has been taken by All Terrain Cycles. Cancellation of your order will remove this preauthorisation. Even though an online reversal is sent instantly when we VOID a transaction, this does not guarantee that your bank will remove the preauthorisation immediately. If you have any problems please contact your Bank as we will not have taken any monies and will not be in a position to assist you with further information.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant.

V12

Consumer credit service provided by V12 Retail Finance a trading name of Secure trust bank PLC. in association with Moneyway. For more information, please visit www.v12retailfinance.com

Any more questions?

If you have any more questions about our finance packages don't hesitate to contact our Customer Service team 01274 588 488

All Terrain Cycles Ltd and All Terrain Cycles Wetherby Ltd can introduce you to a limited number of finance providers: We act as credit broker and not a lender.

Pay4Later

Pay4Later is an online finance gateway that links retailers and finance companies making it easy for finance companies and retailers to work together to offer consumers fast and convenient point of sale finance.

Pay4Later act as a credit broker and not a lender. Pay4Later can introduce you to a limited number of finance providers. Close Brothers Retail Finance is a trading style of Close Brothers Limited, a subsidiary of Close Brothers Group PLC. Close Brothers Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. We may pay brokers some consideration if they introduce business to us.

Close Brothers

Customers are able to contact Close Brothers if they wish to speak about their loans. Please call 0844 880 6542