Swift Cycles offers finance options with facilities provided by V12 Finance. These enable you to apply for Interest Free Finance and get a decision in minutes. Call 0207 377 0502 for more details.

Our Finance schemes

Interest Free Finance

Our Interest Free Finance offers you a simple and cost-efficient way to spread the cost on your new bike or frame purchase. After you've made a 10% deposit, you can start enjoying your new bike now with the remaining cost then spread over 6 or 12 equal monthly payments interest free at 0% APR. This offer is available on bikes, plus any accessories you buy with the bike.

Repayment options:

6 Month Repayment (available for any loan over £500)

Bike cost - £600.00 less 10% deposit = Loan Amount of £540.00 - over 6 months = £90.00/month

12 Month Repayment (available for any loan over £1000)

Bike cost - £1400.00 less 10% deposit = Loan Amount of £1080.00 - over 12 months = £105.00/month

Please note: Bikes bought on Interest Free Finance orders can be delivered only to the Finance Applicant's home address.

Classic 36 months Credit

We also offer a classic credit agreement, available on all products, but with a minimum order value of £1,500.

Following a 10% deposit, the customer makes 36 monthly payments subject to set APR.

Eligibility For Credit

In order to apply for credit with V12 Finance, you must:

• be at least 18 years of age and under 75 years of age
• be either: in full time employment (i.e. 16 hours, or more, per week); or self-employed; or retired and over 50 years of age; or in receipt of an invalidity or disability allowance
• be a UK resident
• be able to make repayments by direct debit
• provide your previous address if you have lived at your current address for less than 3 years

So, what’s the process?

In order to place an order on Interest Free Finance you need to call 0207 377 0502 with the name (and ideally the product code) of the item(s) you wish to purchase.

Tell our staff member that you’re looking to make a purchase on credit and you can follow the process from there.

Further Information

V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Finance with Sale Bikes

Swift are well known for offering some of the best deals around on road bikes. In fact we are never beaten on sale bikes…just ask.

However, some of the 0% Finance options require us to pay a fee to the finance company (V12). Because of this we may not be able to offer the full sale discount. It’s on a case by case basis so the best way to find out is just to give us a call on 0207 377 0502!