Finance Information

Klarna 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

Select Value...
Minimum Deposit...

Monthly Plan...

Monthly Payment


Bike Finance Selection
Bike Finance Selection

Finance Calculator 14.9 % APR

Select Bike Value...
Minimum Deposit...

Monthly Plan...

Monthly Payment

If you are spending over £1000 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 Klarna 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.

Please note your order can only be delivered to your home address if your purchase is being made with Finance.

Klarna 14.9% APR Finance

All products including Hot Deal Bikes are available at 14.9% finance if your basket is over £250, a 10% deposit is required.

Klarna 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 Klarna 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.

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.

Any more questions?

If you have any more questions about our Klarna finance packages don't hesitate to contact our Customer Service team at

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