Interest Free Finance

Is your dream frame or bike just a little more than you wanted to spend? We might be able to offer you interest free finance to help.


Retail finance gives you the flexibility to buy what you really want now, not just what you can afford today, by spreading the cost of your purchase over a repayment period that suits your budget.

This page is designed to give an overview of the service offered. It is not possible to purchase using finance online. To discuss further, please get in touch and we'll be pleased to assist.


Interest Free Credit

We offer interest free finance over 6, 10 or 12 months.

This is an interest free loan with no arrangement fees. You repay the loan amount through equal monthly payments spread over the chosen repayment period.

Eligibility Criteria

You must:

  • Be at least 18 years of age;
  • Have been a UK resident for 3 years or more;
  • Be able to make repayments by direct debit;
  • Be in regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment.

Information Required

During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.

Processing Time

With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. For in-store applications you can usually wait in the shop whilst the underwriters review your application.

Condor Cycles Limited acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales (no. 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. Registration number: 204550.

Condor Cycles Limited is registered in England and Wales (no. 05351196). Registered office: 66 Prescot Street, London, E1 8NN.