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All Terrain Cycles is the UK's Largest & Oldest Independent Bike Store. Buy mountain bikes, road bikes and cycle clothing. 3 years 0% Finance available on all bikes.

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Call us on: +44 1274 588 488

Bike Finance

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

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Bike Finance Selection

Finance Calculator 15.9% APR

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Bike Finance Selection

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 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 a minimum deposit of 15% is required, with payments spread over a period of 12 - 36 months.

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


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

Frequently asked Questions

  1. Does All Terrain Cycles offer a credit check before ordering goods ?-
    We unfortunately cannot offer this service, to apply for finance , please select the goods you require, select the type and term of finance required and complete the finance application form so we have the information to apply on your behalf.
  2. 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 wish to take. We might 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 made to All Terrain Cycles. Cancellation of your order will remove this preauthorisation. This process normally takes 1-3 days but can by a little longer in certain circumstances depending upon your credit card or banking system.

How to apply for Finance

  • Select the goods you require to purchase on our website.
  • Go to checkout and select pay with finance ( green button )
  • Select how many years you wish to pay over
  • Increase the minimum deposit if you wish to reduce the monthly payments
  • Complete the finance application form
  • Our customer services staff will check your order to confirm stock and bike size to rider height and contact you if we have any concerns prior to finance application
  • We will then apply for finance on your behalf.
  • If successful your deposit will be released to All Terrain Cycles and your bike order processed.
  • If unsuccessful, and you are declined by our finance partners we will contact you to see what course of action you wish to take. We might 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 made to All Terrain Cycles. Cancellation of your order will remove this preauthorisation. This process normally takes 1-3 days but can by a little longer in certain circumstances depending upon your credit card or banking system.

1. Close Brothers Retail Finance ( Pay4later )

Loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply. 0% finance requires a minimum of 15 % deposit and is available on a restricted range of products, currently current model year bikes which are displayed on our website with 0% logo. Low bearing finance requires a minimum deposit of 10 %, and is available on all products. Both finance options require a minimum balance after deposit of £250.

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.

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 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.

Frequently asked Questions

  1. Does All Terrain Cycles offer a credit check before ordering goods ?-
    We unfortunately cannot offer this service, to apply for finance , please select the goods you require, select the type and term of finance required and complete the finance application form so we have the information to apply on your behalf.
  2. 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 wish to take. We might 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 made to All Terrain Cycles. Cancellation of your order will remove this preauthorisation. This process normally takes 1-3 days but can by a little longer in certain circumstances depending upon your credit card or banking system.

How to apply for Finance

  • Select the goods you require to purchase on our website.
  • Go to checkout and select pay with finance ( green button )
  • Select how many years you wish to pay over
  • Increase the minimum deposit if you wish to reduce the monthly payments
  • Complete the finance application form
  • Our customer services staff will check your order to confirm stock and bike size to rider height and contact you if we have any concerns prior to finance application
  • We will then apply for finance on your behalf.
  • If successful your deposit will be released to All Terrain Cycles and your bike order processed.
  • If unsuccessful, and you are declined by our finance partners we will contact you to see what course of action you wish to take. We might 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 made to All Terrain Cycles. Cancellation of your order will remove this preauthorisation. This process normally takes 1-3 days but can by a little longer in certain circumstances depending upon your credit card or banking system.