Why not spread the cost of your new bike into small, manageable chunks across easy monthly payments? Free 0% finance over 6 or 10 months is available on Electric Bikes, Road Bikes, Mountain Bikes, Commuter Bikes and more.

Step 1

Choose your bike online 
(spend £499 or more)


Step 2

Once added to the basket you will be
transferred to our eCommerce Partner


Step 3

Select ‘Home delivery’ and then select
“Apply for finance” button at checkout


Step 4

Once your application is accepted your order will be shipped to your billing address


Everything you need to know about financing your next bike purchase.

Am I eligible for Finance?

Finance is available on bike orders of £499 or more. This excludes discounted bikes.

To apply for finance, you must be:
Over 18 years old
In receipt of a regular income (minimum 16 hours per week), or in receipt of a pension if you are retired, or in permanent residence with your spouse/partner who’s in regular employment.
Have a good credit history
A permanent UK resident and able to provide a UK address history for the last three years.

Meeting the above criteria does not guarantee acceptance and finance is subject to status, terms and conditions apply.

Do I need a deposit?

No, deposits are voluntary.

When is my first finance payment taken?

Your first finance payment after your deposit will be taken 1 month after we dispatch your order to you.

How long does the finance application process take?

Once you’ve completed your details, you will get a finance decision – This will occur within 60 seconds.

Can I pay the remainder of the loan off early?

Yes you can. You would need to contact Novuna Finance customer service team about this.

The Small Print

Consumer finance on is provided by Novuna Finance.

0% finance is only available on non-discounted bikes with a value of £499.99 and over. Providing a qualifying bike is included in your order, finance can be taken out against all products in your basket.

In order to safeguard against fraudulent applications, we can only deliver goods to the home address of the applicant.

All offers of finance are subject to acceptance by Novuna Finance. Freewheel accepts no liability in relation to the credit analysis and resulting contractual obligations.

Please direct all enquiries in writing to Novuna Finance

We advise all applicants to keep a copy of the Terms and Conditions, invoice and any other documents relating to the financing application for your records.

Freewheel reserves the right to change these Terms and Conditions at any time.

For more information, please visit Novuna Finance

Freewheel is registered in England & Wales 00706712.

Registered Office: Buckingham House, West Street, Newbury, Berkshire, RG14 1BD. Freewheel acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit provided subject to age and status.