Finance is available on all orders with a balance of at least £250 (after deposit payment). All finance orders are subject to a minimum 10% deposit.
We work in partnership with V12 Retail Finance, an industry leading finance administrator with highly rated customer care.
Here's how it works, in six simple steps...
Example Purchase 1 - Full Price Bike:
Example Purchase 2 - Discounted Bike:
1. What finance options are available?
Full price bikes & products - 0% APR
6, 12, 24 or 36 monthly repayments
Discounted bikes & products - Interest bearing at 15.9% APR approx.
12, 24, 36 or 48 monthly repayments
All orders placed using finance are subject to a minimum 10% deposit.
2. Am I eligible to apply for finance?
To qualify for finance, you must meet the following criteria:
You are 18 or older.
You, or your partner, are in full time employment, retired and receiving a pension, in receipt of a disability benefit, or self-employed.
You have been a resident in the UK for at least 3 years and will continue this residency.
You have a debit or credit card in your name and registered to the delivery address.
You have a bank or building society current account.
3. How do I apply?
Please refer to the guidelines and given examples above.
4. Can I apply for finance through the Winstanleys Bikes website?
Not yet, but we’re working on it. The application process starts with you giving us a call on 01942 707 646 or visiting our shop in person.
5. How much deposit do I pay?
The deposit is a minimum of 10% of the order total. You can leave a larger deposit if you like, providing the balance for finance is £250 or more.
Deposit payments must be made via Debit card if over the phone, and Debit card or cash if in store. Deposits are fully refunded in the case of a declined application.
6. What if my application is declined?
If we are notified of a declined application, we will issue a refund of the deposit within 1 working day. We are not made aware of the reason for any application being declined.
7. Can I have the order delivered to an alternative address?
No. For security reasons and to protect against fraudulent applications, your order must be delivered to your home address.
8. I still have some questions, can you help?
If you have any other questions about finance you could visit v12retailfinance.com or contact our Customer Service Team who will be happy to assist.
Winstanleys Ltd, trading as Winstanleys Bikes, is authorised and regulated by the Financial Conduct Authority in relation to credit broking.