Online Credit Facilities
Finance from V12 Retail
To help spread the cost of your purchase we offer various finance packages, over anything from twelve to twenty four months, depending on how much you spend and how you want to pay. Finance is not limited to only bikes, you can add any item to your basket and apply for finance, so if buying a bike on finance you can also add all the accessories you want to the deal. Finance is available both online and in store. Please note that online applications MUST be delivered to your approved home address. If you wish to collect from store please visit the store to apply for finance.
How To Apply
Apply for finance is simply, just select V12 at checkout and follow the on-screen instructions. During the process you will be handed over to our partner V12 finance. Once your application is accepted and the deposit paid, your order is secured. Please note, the bike you initially order is not held for you until the deposit is paid. Until that point someone else can purchase it. Jc Cook Cycles is a licensed credit broker. In all instances we use V12 for our lending. Click here for more information about V12 and our online finance packages. All decisions are final and are not in the hands of Jc Cook Cycles.
Our payment plan optionsWe offer a range of interest-free and interest-bearing finance options to help you spread the cost of your purchase over 12 to 36 months. The value of the loan needs to be over £250 and no more than £15000. You can choose a deposit of up to 50% of the value of the goods.
Some finance options will not be available across all products or combinations of product in our website. Add items to your shopping cart and visit the checkout to see what options will be made available to you.
The following finance options are offered to any combination of products.
The minimum spend is the minimum total goods value to qualify for the finance option.
- Classic Credit 36 Months 15.9% on all orders over £2000.00. Deposit required: 10% minimum.
- Classic Credit 24 Months 15.9% on all orders over £1000.00. Deposit required: 10% minimum.
- Classic Credit 12 Months 15.9% on all orders over £400.00. Deposit required: 10% minimum.
The above representative example shows the finance information that we expect to apply to more than half of accepted applications for a specific amount and repayment term.
The representative example is not a quote or formal offer of finance - we display this to help you understand how much a loan will cost, and so you can compare it with other products.
Whilst these numbers are there to help you understand what a loan will cost you, it is important that you understand any other potential costs in the terms and conditions of the finance option you select. For instance, you may be charged missed or late payment fees if you do not keep up with your payments.
Finance IllustrationsThe following is provided to illustrate how finance figures will be displayed against products where finance via checkout is available on our website. Finance illustrations are shown for a purchase price of £2000.00
|Classic Credit 36 Months 15.9%|
(Minimum goods total £2000.00)
|36 Monthly Payments of||£62.27*|
|Cost of Credit||£441.72|
|Rate of Interest (fixed)||15.9%|
|Representative APR||15.9% APR Representative|
|Total Amount Payable||£2441.72|
Legal Information (FCA Disclaimer)0% finance with a term of 12 months or less is not regulated by the Financial Conduct Authority.
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