Finance Information

Pay By fianance

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

WE REQUIRE A MINIMUM DEPOSIT OF 10%. ANY INCREASE IN THE DEPOSIT YOU PAY WILL INCREASE THE ACCEPTANCE RATE WITH OUR FINANCE PARTNERS

Finance Calculator 14.9 % APR


Select Bike Value...
Minimum Deposit...

Monthly Plan...

Monthly Payment

WE REQUIRE A MINIMUM DEPOSIT OF 10%. ANY INCREASE IN THE DEPOSIT YOU PAY WILL INCREASE THE ACCEPTANCE RATE WITH OUR FINANCE PARTNERS

0% APR Representative

Available On Selected Bikes Only

Representative Example
Item value 1,500
Deposit £150
Total amount of credit £1,350
Agreement duration 24 Months
Annual rate of interest 0% P.A. Fixed
Representative APR 0% APR
12 monthly payments £112.50
Total amount payable £1,500

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

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 above.

Who Can Apply For 0% 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 3 years 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.

14.9% APR Representative

Available on baskets over £250

Our 14.9% finance options, allows you to spread the cost of your products over a period of up to 36 months.

Item value £900
Deposit £90
Total amount of credit £810
Agreement duration 24 Months
Annual rate of interest 14.9% P.A. Fixed
Representative APR 14.9%
24 monthly payments £38.88
Total amount payable £1,023.12

See representative example above.

Who Can Apply For 14.9% 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 3 years 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.

All Terrain Cycles will receive a commission from the Hitachi Capital (UK) PLC if you are accepted for a 14.9% representative finance agreement. This commission arrangement will not affect the price you pay

Frequently asked Questions


How do I choose to PaybyFinance?

Just select the finance option on the checkout page or let the sales assistant know if you're buying instore.

Who is eligible to apply for online 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 3 years 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.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement All Terrain Cycles Limited trading as All Terrain Cycles will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from All Terrain Cycles you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

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

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

Any more questions?

If you have any more questions about our Klarna finance packages don't hesitate to contact our Customer Service team at sales@allterraincycles.co.uk

IMPORTANT INFORMATION: All Terrain Cycles Ltd is a licenced credit broker "Reference Number 697478 " Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. All Terrain Cycles Ltd acts as a credit intermediary and offers credit products from Klarna. Registered in England 06536597. Registered office: Shed 48 Salts Mill, Saltaire, Bradford, West Yorkshire, BD18 3LA