Criterium Cycles | Finance
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Criterium Cycles Services - Retail Finance

Spreading the cost of your dream bike

A bike and all the accessories, clothing and parts that go along with it can often be a major investment. It is worth buying great quality equipment because it is then more likely that you will get many years of enjoyment and trouble free ownership. However, we recognise that to buy great gear can lead to a substantial commitment and often, it just isn’t possible to finance everything in one go. Interest free finance could be an option to consider.


We have teamed up with V12 Retail Finance to help you spread the cost of acquiring your dream bike, accessories, clothing and parts over a number of months, depending on your budget and how long you want to spread the cost over.

Regulated for your peace of mind

Criterium Cycle Company Limited (T/A Criterium Cycles) is registered in Scotland no. SC439426. Our Registered Office is Unit 3, Dobbies Garden World, Melville Nurseries, Lasswade, Midlothian, EH18 1AZ. Criterium Cycles is regulated by the Financial Conduct Authority and acts as a credit broker only offering products from Secure Trust Bank Plc trading as V12 Retail Finance. V12 Retail Finance is registered in England & Wales, no. 541132, is widely known and experienced in providing finance to customers in the cycle sector and has its Registered Office at One Arleston Way, Solihull, B90 4LH. Criterium Cycles is authorised and regulated by the Financial Conduct Authority. Criterium Cycle Company Limited’s FCA registration number is 679581. Credit is provided subject to age and status.

FCA logo
Criterium Cycles Finance 0% interest free logo

Interest Free Finance

Through V12 Retail Finance, we are able to offer a range of Interest Free Finance Products (subject to credit, age, status and Terms & Conditions) although the term over which you can finance your bike etc will depend on how much you spend, as follows:

6 months term - £275 minimum purchase

10 months term - £750 minimum purchase

12 months term - £1,000 minimum purchase

18 months term - £2,000 minimum purchase

24 months terms - £3,000 minimum purchase

A worked example

A Trek Checkpoint SL5 such as the one pictured costs £2,700 MRSP. With a deposit of £270 (10%), the balance of £2,430 can be financed over 18 months at 0% meaning 18 monthly payments of £135 each. Representative APR = 0%, Total interest payable = £0.


Note – the minimum purchase can include bikes, accessories, clothing or a combination of all 3.

Criterium Cycles Finance Trek Checkpoint SL5
Criterium Cycles Finance Terms and Conditions image

Terms and Conditions

All applications for Credit are subject to age and status. You must be over 18, a UK resident and either in full time employment or if in part time employment then employed at least 16 hours per week.

A minimum deposit of 10% will usually be required although you can pay more if you wish.

Finance is only available on purchases with a total value of at least £275.

Finance is only available on products that have not already been discounted or are in a sale unless clearly marked otherwise.

We reserve the right to change any of our terms and conditions relating to finance at any time.