Ways to pay

Bike Finance

Ride your next second hand bike now and spread the cost with Klarna or Novuna. Apply at checkout or in store and get a decision in minutes.

See Your OptionsShop Second Hand Bikes
The Cycle Exchange team helping a customer in our Kingston store

Pay Monthly With Klarna Or Novuna

0%
interest over 12 months
  • No minimum spend
  • Orders up to £5,000
  • Choose Klarna at checkout
How Klarna works
48
months to pay, 14.9% APR representative
  • Spread over 24, 36 or 48 months
  • 10% deposit
  • Choose Novuna at checkout
How Novuna works
  1. Add your bike to your basket and choose Novuna at checkout.
  2. Pick 24, 36 or 48 months and pay your 10% deposit.
  3. Complete a short online application and get a decision in minutes.
  4. Sign your agreement online, and we get your bike ready for delivery or collection.

Credit is provided by Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance, subject to status and affordability.

Representative example

Cash price
£4,000
Deposit
£400
Loan amount
£3,600
Monthly payments
48 × £98.32
Interest rate (fixed)
14.9%
APR representative
14.9%
Total charge for credit
£1,119.41
Total amount payable
£5,119.41

Credit subject to status and affordability.

How It Works

  1. Pick your bikeAdd it to your basket.
  2. Choose financeSelect Klarna or Novuna at checkout, or ask us in store.
  3. Apply in minutesA short online form, with a decision straight away.
  4. Ride awayWe get your bike ready for delivery or collection.

Other Ways To Pay

Customer choosing a bike with our team in store

Cycle To Work

Buy through your employer's scheme and save on tax and National Insurance. We accept every scheme except Vivup.

Cycle To Work Schemes
 Our team preparing a trade in quote

Trade In Your Bike

Get a quote online and put your bike's value towards your next one. You can use it alongside finance.

Get A Quote

Questions

Can I get finance on a second hand bike?

Yes, on second hand bikes, frames, wheels and parts. Klarna works on orders up to £5,000. Novuna spreads the cost over 24, 36 or 48 months on most bikes.

Will applying affect my credit score?

Klarna and Novuna explain how they check your credit as you apply, before you agree to anything.

Can I combine finance with a trade in?

Yes. Get a trade in quote, then spread the rest of the cost with finance.

Can I use finance in store?

Yes. Ask the team in our Kingston store and we'll take you through it.

Credit subject to status and affordability. Cycle Exchange LTD FRN: 769754 trading as Cycle Exchange are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender. Credit is provided by Mitsubishi HC Capital UK PLC trading as Novuna Personal Finance. Terms and conditions apply.