0% FINANCE

Option 1 – Pay Monthly Finance

15.9% APR Representative.
With our classic finance option, you can spread the cost over a period of 24 and 36 months.
Please refer to the representative example below.

Who can apply for finance?
You must:
• Spend over £350
• 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 a permanent residence with your partner who is in regular employment

*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

Option 2 – 0% APR Representative

0% APR Representative.
With our classic finance option, you can spread the cost over a period of 6 to 36 months.
Please refer to the representative example below.

Who can apply for finance?
You must:
• Spend over £350
• 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 a permanent residence with 
your partner who is in regular employment

*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

OPTION 1 – REPRESENTATIVE EXAMPLE

24 MONTHS: Cash Price - £1000

Loan Term - 24 months Deposit - £0

Monthly repayments - £48.92

Representative APR% - 15.9% APR

Total amount payable - £1,173.97

Rate of Interest (per annum) 8.12% Fixed

JE James Cycles acts as a credit broker and not the lender and only offers finance from V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC who acts as the lender. JE James Cycles will receive a commission from the lender. Credit is subject to status. Terms and conditions apply. N.B. If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start of the repayment period.

OPTION 2 – REPRESENTATIVE EXAMPLE 36 MONTHS:

Cash Price - £1,399.00

Loan Term - 36 months

Deposit - £0

Monthly repayments - £38.86

Representative APR% - 0% APR

Total amount payable - £1,399.00

Rate of Interest (per annum) 8.17% Fixed

JE James Cycles acts as a credit broker and not the lender and only offers finance from V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC who acts as the lender. JE James Cycles will receive a commission from the lender.  Credit is subject to status.

Terms and conditions apply. N.B. If you choose to spread the cost and pay monthly, interest is charged from the start of the loan, not from the start  of the repayment period.


V12 FINANCE

0% Finance couldn't be easier with us here at JE James Cycles, enabling you to spread the cost of your new bike or equipment from 6 to 36 months and pay nothing in interest. Simply use our calculators to work out your repayments on all eligible bikes and products purchased with eligible bicycles, then add your items to the basket and choose to pay by finance option in the cart area. Fill in the online application form via our Finance partner V12, click 'Submit' and we'll sort the rest.

So long as you are spending over £350.00 on a bicycle and/or equipment, you are a UK resident (at least 3 years), over 18, employed or self-employed (min. of 16 hours a week) or retired. 0% finance is only available on all bicycles with Finance available button and any parts accessories or clothing added with any eligible bicycle.



IN-STORE FINANCE

Our friendly and experienced staff are on hand to help to apply for 0% finance easy. If coming in store please make sure you bring your Passport or Driving License (both plastic card and counterpart) as proof of identity, plus proof of address such as a Bank Statement (not online banking print off), Council Tax statement or Utility bill no older than 3 months. Mobile phone bills and credit card statements are not acceptable. We will also need your Bank Account details to apply for 0% finance and set up the Direct Debit so please have these handy. If you want to double check 0% finance acceptance before traveling to our store please call us in advance or apply online and specify 'Reserve and Collect'. It takes around 15 minutes to apply for 0% finance and you will be able to walk away with your bike the same day! Subject to acceptance and stock availability.



FAQ

To apply for finance you must be: At least 18 years old. A permanent UK resident. In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment. In receipt of a pension if you are retired. Able to confirm sufficient income if you are registered disabled.
Our finance is supplied by V12 Retail Finance. It is the UK's only specialist retail finance provider. Its secure and friendly online system can provide you with a decision in seconds.

Returns rights: 30 day right to reject faulty or damaged goods applies, please see our full returns policy here: https://www.jejamescycles.com/...
Finance orders can only be shipped to the address given in your finance application.


THE LEGAL BIT

IMPORTANT INFORMATION: JE James Cycles is a licensed credit broker "Licence Number 732006." Terms and conditions apply. Loans available to permanent UK residents aged 18 and over. Subject to status. Eligibility and conditions apply. JE James Cycles acts as a credit intermediary and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Registered in England 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. Financial Services Register number: 204550. The address of JE James Cycles is, Progress House, Brimington Road North, Chesterfield, Derbyshire, S41 9AP