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 Klarna Bank AB 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 authorised and regulated by the Financial Conduct Authority and acts as a credit intermediary, offering credit products provided exclusively by Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised by the Swedish Financial Service Authority (Finansinspektionen) and is subject to limited supervision by the Financial Conduct Authority. Details about the extent of Klarna Bank AB (publ)’s regulation by the Financial Conduct Authority are available from them on request. Klarna Bank AB (publ) has its registered office at Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID number 556737-0431. Criterium Cycle Company Limited’s FCA registration number is 679581. Credit is provided subject to Terms and Conditions, age and status and is only available to permanent UK residents aged 18 or over.

FCA logo
Criterium Cycles Klarna Bank

Interest Free Finance

Through Klarna Bank (find out more about the guys at Klarna by clicking HERE), 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.

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