0845 257 0808

Interest-Free Credit (0% APR TYPICAL)


We offer interest free finance on orders placed in our bricks and mortar shops as well as through our mail order department for delivery. The order must include at least one bicycle with a minimum value of £500, maximum transaction value £5000 orders for delivery must be sent to your home address and a minimum of 10% deposit is required.

Applying in store:

Simply visit one of our stores and select the bike you require, we will complete the application with you in store and get confirmation straight away. If you would like to pay the deposit by cash you will need to provide two forms of ID. You will also need to have your bank details available.

Acceptable Proofs: Current UK driving licence (both card and counterfoil) and Passport or a Utility Bill dated within the last 3 months will be accepted as a second proof with driver these.

How to apply for delivery:

Simply select your goods either from our catalogue or website (the order must include at least one bicycle with a minimum value of £500, maximum transaction value £5000).

Telephone us on 0845 257 0808 with your order and details of how you would like to pay the deposit (10% minimum required). This deposit must be paid with a credit or debit card registered in your name and at your home/billing address.

Choose between 6, 10 or 12 months interest-free payments.

We will complete the application on your behalf by asking for a few details. We can then confirm if the application has been accepted.

Once your application is accepted, we (Edinburgh Bicycle) will send you the following:

  • The Pre-Contract Credit Information (SECCI)
    This is a breakdown of the agreement, please check that all details on this are correct and retain for your records.
  • Pre-Contract Explanation
    Please check that all details are correct, sign and return to us at the address below.
  • Fixed-Sum Loan Agreement
    Please read the agreement carefully, as it includes details on how you can cancel this agreement along with other key information. If you’re completely happy with it sign and date all copies, and return both the Retailer and Bank Copy to us at the address below.
  • Direct debit mandate
    Please complete this, checking that the details are correct, sign and return to us at the address below.

Please check these carefully and sign all copies where applicable.

When you return the signed credit agreement form to Edinburgh Bicycle Co-op, we will contact you to arrange delivery of the bike (to your home address).

Photo of Giant Defy 2 '11

Example (for illustration purposes only)

If you decide to purchase a bike at £599.99 on a 6 month plan then the payments would be as follows:

  • Purchase Price - £599.99
  • Deposit (minimum 10%) - £60.00
  • Balance (amount of credit) - £539.99
  • Total amount payable - £599.99 (Typical 0% APR)

£539.99 spread over six months would be an initial payment of £89.99 followed by 5 equal payments of £90.00.

If you have any questions regarding interest-free payment plans either for mail order or at our branches please call us on 0845 257 0808.

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