We want to make buying your new bike as straightforward and flexible as possible. That’s why we’ve partnered with established credit brokers, Ideal4Finance, to give you the option of spreading the cost with manageable monthly payments.

Ideal4Finance help thousands of customers arrange finance for a wide range of purchases. They work with reputable lenders and are rated ‘Excellent’ on Trustpilot, giving you added peace of mind.

The application process is simple and completed online, with decisions made quickly. Approval is based on your individual circumstances, including your credit profile, the amount you wish to borrow, and the repayment term you choose.

The following finance options are available, always subject to the lender’s assessment:

• 0% finance over 6 or 12 months
• Fixed rate finance at 9.9% APR over two or three years (24 or 36 months)
• Fixed rate finance at 15.9% APR over four or five years (48 or 60 months)

A minimum deposit of 10% will be required, but you can opt for a larger deposit to a maximum of 50%.

Use our handy finance calculator to work out the monthly payments for your proposed purchase, for the different finance options listed above.

Here is a representative example of a £5000 purchase, with a £1000 deposit paid over 3 years at 9.9% APR:

• Purchase amount £5000
• Deposit amount £1000
• Total credit £4000
• Interest rate 9.9% (fixed)
• Loan duration 36 months
• Monthly repayment £128.88
• Total repayable £4639.72
• Total cost, including deposit £5639.72

Please note: the representative example provides an indication only and the exact details will be provided at the application stage.

If you’re ready to apply, please click the button below to begin the application process (opens in new tab).

As is rapidly becoming the norm, you may be asked for verification of id in order to fully complete the application – this is a general fraud protection measure required by many lenders, and not related to you as an individual.

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.

Epic Cycles Limited is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.

If you place an order with us we will send you a secure on-line invoice with a choice of payment methods that includes PayPal.

If you opt to pay with PayPal you may be offered the option to Pay Later, with a choice of ‘Pay in 3’ or PayPal Credit.

PayPal Pay in 3

Pay in 3 allows you to split the cost of your purchase in to 3 equal interest free payments over 3 consecutive months. There are no sign up or late fees.

Pay in 3 is a form of credit, so carefully consider whether the purchase is affordable and how you will make the repayments.

Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only.

Available for purchases of £30 up to £2,000.

PayPal Credit

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that sits alongside your PayPal account which you can use for your online purchases.

If you don’t have a PayPal account, you can create one as part of the PayPal Credit application. Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.

Applying for PayPal Credit is easy once you have a PayPal account set up – just click on the PayPal Credit button on the PayPal payment page.

The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

You can use the credit limit granted to pay for today’s purchase, and for future purchases at thousands of stores where PayPal is accepted, up to your credit limit.

0% for 4 months – this is a simple 0% interest offer you can use again and again. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase.

You will be presented with a minimum monthly payment plan, but can opt to pay more than the minimum – if you pay the full balance by the end of the 4 month period you will pay no interest at all.

Any remaining balance due after the 4 initial month period or any transactions under £99 will be charged interest at 23.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up the minimum monthly repayments and stay within your credit limit.

If you are declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. Alternate methods of payment are available.

As with all forms of credit, it is important that you think about whether you can afford the monthly repayments before you enter into a credit agreement.

For more information on PayPal Credit’s terms and conditions and frequently asked questions, please visit PayPal Credit Services FAQ

PayPal Pay in 3 and PayPal Credit are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.