0% Finance at Formby Cycles

 Here at Formby Cycles we make buying your dream bike or accessories a reality, by offering finance packages up to 36 months on interest free credit. All of our finance packages are interest free with no hidden extras ensuring your budget stretches further, with none of your cash going towards paying off the added burden of interest charges. So you spread the cost of bikes and cycling gear you want over a time period that suits your budget. - Leave a minimum deposit of 10% of your whole purchase & then spread the remaining cost over the chosen term - up to 3 years.





Am I eligible for finance? - To apply for finance you must be:

  • At least 18 years of age
  • A permanent UK resident
  • 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
  • In receipt of a pension if you are retired
  • Able to confirm sufficient income if you are registered disabled.

How do I apply?

At Checkout:

  • Once your basket value is over £300 (from any combination of bikes or cycling accessories, clothing or components) you will be able to select ‘Finance’ as a payment option in the checkout.
  • Select your preferred finance option.
  • Follow the simple online application steps which take around 5-10 minutes to complete on V12′s secure server.
  • When you have completed the application, V12 will use the information supplied to reach a decision (which involves a credit search) and very quickly confirm the outcome.
  • If your application is approved you will be able to complete a Credit Agreement with V12 Finance. Upon notification of receipt of the agreement Formby Cycles will process your order and ship your goods.


Or By Phone or email:

To apply by Phone or email is quick and easy. Just give us a call on 01704 835720 or send an email to formbycycles@yahoo.co.uk  and let us know which items you require on finance. We will then email over the finance form for you to fill in. Once you have filled out the form you will be given a decision instantly. If your application was successful we will arrange for your goods to be dispatched for delivery. It's that simple!!!


In Store:

To apply in store, please take along a recent utility bill as proof of address and a debit/credit card, driving licence or valid passport for proof of signature. You will also need to have your bank details available. The deposit must be paid with a debit/credit card .



Application to delivery takes 5-7 working days approx. Dependent on acceptance and stock availability.


Please note that delivery must be made to your home address on mailorder finance . 0% Finance NOT available on discounted items unless stated.

Obviously, online finance is only one option.

Should you prefer to pay outright you can check out in the normal way and pay by credit card, debit card,


Our finance is supplied by V12 Retail Finance, the UK’s only specialist Retail Finance provider who use a secure and friendly market leading online software system which can provide you with a decision in seconds.