Spread the cost of your next bike purchase with Interest Free Finance!

At Peak Riders and Striders purchasing with finance couldn’t be easier, enabling you to spread the cost of your new bike or cycling equipment from 6, 10 or 12 months. We offer finance options on all bikes and equipment over £250.00 to £15,000 with interest free 0% finance

Finance is subject to status.  Minimum spend applies.

No deposit required!

Get the bike of your dreams with no upfront deposit to pay (but the higher the deposit the lower the monthly repayments!)

Do I qualify for finance?

To apply for bike finance, you must:

  • Be over the age of 18, and be in receipt of a regular income
  • Have a good credit score with no late payments, debt relief orders, CCJ’s, IVA’s or bankruptcies
  • Be a permanent UK resident and able to supply a UK address history for the last 3 years
  • Be either: in full time employment (more than 16 hours a week) ; or self-employed ; or retired (and over the age of 50) ; or in receipt of invalidity or disability allowance.

Just by meeting the criteria set out above does not guarantee acceptance. Please note that students (unless employed for more than 16 hours a week) and unemployed single house persons will not be considered.

Retired individuals, and those in receipt of a private or company pensions are welcome to apply for finance.

How quickly will my application be approved?

Decisions are usually made within a few minutes. Once your application has been approved, we will contact you (during working hours Monday to Friday) to arrange delivery.

Will you search my credit score?

Yes. To enable our finance company to review your application, your credit score will be checked to evaluate your credit risk. Credit scoring works by awarding points for each answer given on the application form, such as age, income and occupation as well as information obtained by credit reference agencies. Credit score does not discriminate on the grounds of sex, gender, religion, race, disability or colour.

Why was I declined?

If your application has been declined, it is normally due to one, or a combination of the following:

  • Your credit score (please note that every will score you differently)
  • Your age (for example being under 18)
  • Your existing account performance with existing lenders
  • Adverse credit reference agency information

·         Can I re-apply if my finance application is unsuccessful?

Yes. Just because one of your applications may have previously been declined, finance companies acknowledge that circumstances change, and therefore allow further applications. However, it is advised that you wait at least 6 months before trying to apply again.


Please note that interest-free credit is not offered on all products.  Some exclusions may apply. 0% Finance is not available on sale, Cyclescheme or discounted models unless otherwise stated.  Repayments can be spread over 6, 10,  & 12 months.

You must be a permanent resident of the United Kingdom and must have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of Eire. In order to safeguard against fraudulent applications, we regret that we’re only able to deliver goods to the home address of the applicant.

Peak Riders and Striders is registered in England and Wales 12679399. Registered office: Registered office is Castle Hill Nantwich Road, Audley, Stoke-On-Trent, Staffordshire, United Kingdom, ST7 8DH. Peak Riders and Striders acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.  Authorised and regulated by the Financial Conduct Authority. Credit provided subject to status.