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Ride The Dream With


Get the bike of your dreams with 0% Finance offers
up to 36 Months on selected Bikes.

Zero Interest,

Zero Deposit

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 opion 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.

You can afford more,

Finance Offers

We offer interest free rates from 6 months up to 36 Months dependent on bike purchase price. All you have to do is add an eligible bike to your basket. If you add a £1100 bike to your basket it is eligible for 0% finance up to 12 months but if you then add £200 of other items to the basket it will take you above the 1250 threshold and then you will be able to benefit from the 24 month rates


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.

Finance orders can only be shipped to the address given in your finance application.



Our friendly and experienced staff are on hand to help applying 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.


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

Finance Options