Wheelies Bicycle Finance

V12 Finance

Buy your cycle gear or bike from us on finance – Currently only available on the Wheelies desktop site

Do you have that one bike of your dreams? Now it's completely possible to get your hands on the bike or cycle gear you've always wanted by spreading the cost with our fantastic finance options. Your application is processed using V12's Paperless eSign system, which means there is no paper work to sign and return, just an instant decision.

Types of finance offered

The value of your order will determine which finance options are available:

Option 1: Interest Free Credit (0%)

Available on all orders over £250. Payments can be spread over 6, 12, 18 or 24 months. We offer flexible deposit options, depending on your order value, including NO DEPOSIT.

Payments can be spread over 48 months on purchases over £2,700 on full price items only. We offer flexible deposit options, depending on your order value, including NO DEPOSIT.

Representative example
Purchase price £1000
Total repayable £1000
Deposit £100
Duration of agreement 24 months
Amount of credit £900
Rate of interest (fixed) 0%
24 monthly payments £37.50
0% APR representative

Option 2: Classic Credit (15.9% APR)

Available on orders over £250. Payments can be spread over 24 or 36 months. Flexible deposit options, depending on your order value, including NO DEPOSIT.

Representative example
Purchase price £400
Total repayable £458.32
Deposit £40
Duration of agreement 24 months
Amount of credit £360
Rate of interest (fixed) 15.9%
24 monthly payments £17.43
15.9% APR representative

Finance applications can be made for a single product or a combination of products (e.g. Bikes, Cycle accessories, Parts & Components etc.).

Applying for online finance

Applying for online finance couldn't be easier or more convenient using our paperless eSign process. Once you've chosen the product(s) you'd like to purchase, continue to the Checkout. If your chosen product(s) qualifies (above the minimum spend of £250), you will be presented with the finance options available. Just follow the simple instructions, entering your personal details as required and V12 Finance will do the rest.

Finance FAQs

How quickly will my application be processed?

Once you submit your application you will receive an instant decision usually within 10 seconds. On rare occasions, if V12 require further information they will contact you within normal working hours shortly after your application is submitted.

Once my application is approved, what happens next?

Once approved, you will be asked to complete an online identity check; once this has been validated you will be able to sign your credit agreement electronically using V12's eSign process. You will be given the option to download a copy of your credit agreement at this point and print a copy for your records. Once you have eSigned your agreement and completed the order we can dispatch the goods to you. There is no paper work to return to us or to V12.

Can I vary my deposit amount?

You can vary the deposit you wish to pay on your application. Your deposit options are determined by your loan amount and the type of finance you choose, however zero (£0) deposit is always available.

What is the criteria for applying for finance?

To apply for finance you must be:

  • at least 18 years of age
  • a permanent UK resident
  • in regular employment (minimum of 16 hours per week) including self employment, or in permanent residence with your spouse/partner who is in regular employment
  • in receipt of pension if you are retired
  • if not in employment, you may be required to provide proof of alternative income

**All orders paid for by Finance can only be shipped to the billing address as used on your application.**


That's it! It's quick and easy to do. Browse the Wheelies Full Site now or show me:

Wheelies Direct Limited is a licensed credit broker "Licence Number 0499072". Credit is subject to status and available to permanent UK residents only. V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Offices: One Arleston Way, Solihull, B90 4LH. Authorised by Prudential Regulations Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The retailer is Wheelies Direct Limited. Written terms are available on request.