Finance

At Biketart we offer 0% finance on all bikes. You can apply for finance from the bike's product page on the website. 0% finance lets you spread the cost of your bike over several months to several years without any interest charges. We can usually offer between 6-36 months finance.

Finance is a great way to spread the cost of your purchase. To make it easy we’ve teamed up with Deko whose smart technology lets you apply for and complete the loan application quickly and entirely online.

Simply add the items you love to your basket. Once you are at the checkout select the finance option that suits you and then choose Deko. The quick application form should take no more than a couple of minutes to complete and you’ll receive an instant decision. Easy! Alternatively, it can be done over the phone or in-store. A decision is usually instant. By making a finance application you are in no way committing to taking out finance until you have signed the agreement.

Check your eligibility

You will only be considered for finance if you:

  • Are at least 18 years old
  • You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)
  • Are a permanent UK resident and have lived in the UK for at least 3 years.
  • Have a UK bank account capable of accepting Direct Debits
  • Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.
  • Provide an email address so your documentation can be emailed to you.

Our payment plan options

We offer a range of interest-free finance options to help you spread the cost of your purchase over 12, 24 or 36 months. The value of the loan needs to be over £250 and you can choose a deposit of up to 50% of the value of the goods.

Representative Example

  • 0% finance over 12 months
  • Total order value = £600
  • 10% deposit = £60
  • Total amount of credit = £540
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £45
  • Total amount payable = £600

Finance decision

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.

Repaying the loan

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Cancellation

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (your retailer) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

More information

If you'd be interested in finance on a bike and need to ask anything, drop us an email at support@biketart.com or give us a call on 01227 832582 and we'll give you all the information that you need. When applying online, please contact us if you are not certain of a bike's expected due date and would like clarification.


Complete the details below and click "Calculate" to view finance options...

£

Option 1

0%

representative APR over 6 months


£.
Monthly Repayment
  • Deposit: £
  • Total Repayable: £
  • Total Interest: £
This option is only available for loans between £ and £

Option 2

0%

representative APR over 12 months


£.
Monthly Repayment
  • Deposit: £
  • Total Repayable: £
  • Total Interest: £
This option is only available for loans between £ and £

Option 3

0%

representative APR over 18 months


£.
Monthly Repayment
  • Deposit: £
  • Total Repayable: £
  • Total Interest: £
This option is only available for loans between £ and £

Option 4

0%

representative APR over 24 months


£.
Monthly Repayment
  • Deposit: £
  • Total Repayable: £
  • Total Interest: £
This option is only available for loans between £ and £

Option 5

0%

representative APR over 36 months


£.
Monthly Repayment
  • Deposit: £
  • Total Repayable: £
  • Total Interest: £
This option is only available for loans between £ and £
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