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Online Credit Facilities

V12 Finance

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.

Finance Store

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.

Finance Delivery

JC Cook Cycles is authorised and regulated by the Financial Conduct Authority, register number 786547.

Finance Examples

Please note: The MAXIMUM LOAN AMOUNT is £15000 (after deposit), eg with a 10% deposit, the maximum purchase value is £16666.67. Finance would not be offered where the cart value exceeds this amount

Some of our finance packages may require a minimum deposit which is higher or lower than the 10% used as the example above.

During checkout, you have the option of altering the deposit you pay, subject to the minimum and maximum deposits allowed against the selected finance package and subject to the minimum loan amount of £250

Available Finance Packages

Selected products in our website are available to purchase via finance.
These products are marked with a small logo: Finance Select products with , all other products with and a full example is available to view on the product page itself.
Available finance packages may not be available equally on all products, for example, as our special offers are already discounted, we might not offer our best finance package where special offer products are selected.
Products in our site fall into four finance categories. The finance offered will be determined by whether your chosen product is a "finance select" product and/or a "special offer".
Selecting multiple products may alter the finance package we can offer you and you should note that although a particular finance package is offered when viewing the product, it may not be offered when you select additional items that qualify in a different finance category.
The best finance package we can offer will be displayed when you review your shopping cart.

Finance Select Packages (excludes special offers)

The following finance package(s) are offered to any "Finance Select" products which are not current special offers, subject to the noted minimum spend amounts.
These products are marked with a small logo:
The minimum spend is the minimum total goods value to qualify for the finance package.

Examples are shown for a purchase price of £79.99 or the minimum spend required to qualify for the package.
Where the package is highlighted, the product which led you to this examples page would qualify.
Package
(Min. Spend)
Goods Deposit Loan APR Monthly Payment Total Payable Cost of Credit
Interest Free Finance (6 Months)
(Min Spend: £360.00)
£360.00 £36.00
(10%)
£324.00 0% APR Representative £54.00* £360.00 £0.00
Interest Free Finance (12 Months)
(Min Spend: £600.00)
£600.00 £60.00
(10%)
£540.00 0% APR Representative £45.00* £600.00 £0.00
Interest Free Finance (18 Months)
(Min Spend: £900.00)
£900.00 £90.00
(10%)
£810.00 0% APR Representative £45.00* £900.00 £0.00
Interest Free Finance (24 Months)
(Min Spend: £1200.00)
£1200.00 £120.00
(10%)
£1080.00 0% APR Representative £45.00* £1200.00 £0.00
Interest Free Finance (36 Months)
(Min Spend: £2500.00)
£2500.00 £250.00
(10%)
£2250.00 0% APR Representative £62.50* £2500.00 £0.00
Classic Credit 12 Months 15.9%
(Min Spend: £300.00)
£300.00 £30.00
(10%)
£270.00 15.9% APR Representative £24.35* £322.20 £22.20
Classic Credit 24 Months 15.9%
(Min Spend: £600.00)
£600.00 £60.00
(10%)
£540.00 15.9% APR Representative £26.14* £687.36 £87.36
Classic Credit 36 Months 15.9%
(Min Spend: £1200.00)
£1200.00 £120.00
(10%)
£1080.00 15.9% APR Representative £37.36* £1464.96 £264.96
*Final payment may be slightly higher or lower than quoted
Note: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.

Finance Select Packages (special offers)

The following finance package(s) are offered to any "Finance Select" special offer products, subject to the noted minimum spend amounts.
These products are marked with a small logo: and will be marked as a special offer.
The minimum spend is the minimum total goods value to qualify for the finance package.

Examples are shown for a purchase price of £79.99 or the minimum spend required to qualify for the package.
Where the package is highlighted, the product which led you to this examples page would qualify.
Package
(Min. Spend)
Goods Deposit Loan APR Monthly Payment Total Payable Cost of Credit
Classic Credit 12 Months 15.9%
(Min Spend: £300.00)
£300.00 £30.00
(10%)
£270.00 15.9% APR Representative £24.35* £322.20 £22.20
Classic Credit 24 Months 15.9%
(Min Spend: £600.00)
£600.00 £60.00
(10%)
£540.00 15.9% APR Representative £26.14* £687.36 £87.36
Classic Credit 36 Months 15.9%
(Min Spend: £1200.00)
£1200.00 £120.00
(10%)
£1080.00 15.9% APR Representative £37.36* £1464.96 £264.96
*Final payment may be slightly higher or lower than quoted
Note: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.

Normal Finance Packages (excludes special offers)

The following finance package(s) are offered to any products which are not current special offers, subject to the noted minimum spend amounts.
These products are marked with a small logo:
The minimum spend is the minimum total goods value to qualify for the finance package.

Examples are shown for a purchase price of £79.99 or the minimum spend required to qualify for the package.
Where the package is highlighted, the product which led you to this examples page would qualify.
Package
(Min. Spend)
Goods Deposit Loan APR Monthly Payment Total Payable Cost of Credit
Interest Free Finance (6 Months)
(Min Spend: £360.00)
£360.00 £36.00
(10%)
£324.00 0% APR Representative £54.00* £360.00 £0.00
Interest Free Finance (12 Months)
(Min Spend: £600.00)
£600.00 £60.00
(10%)
£540.00 0% APR Representative £45.00* £600.00 £0.00
Interest Free Finance (18 Months)
(Min Spend: £900.00)
£900.00 £90.00
(10%)
£810.00 0% APR Representative £45.00* £900.00 £0.00
Interest Free Finance (24 Months)
(Min Spend: £1200.00)
£1200.00 £120.00
(10%)
£1080.00 0% APR Representative £45.00* £1200.00 £0.00
Interest Free Finance (36 Months)
(Min Spend: £2500.00)
£2500.00 £250.00
(10%)
£2250.00 0% APR Representative £62.50* £2500.00 £0.00
Classic Credit 12 Months 15.9%
(Min Spend: £300.00)
£300.00 £30.00
(10%)
£270.00 15.9% APR Representative £24.35* £322.20 £22.20
Classic Credit 24 Months 15.9%
(Min Spend: £600.00)
£600.00 £60.00
(10%)
£540.00 15.9% APR Representative £26.14* £687.36 £87.36
Classic Credit 36 Months 15.9%
(Min Spend: £1200.00)
£1200.00 £120.00
(10%)
£1080.00 15.9% APR Representative £37.36* £1464.96 £264.96
*Final payment may be slightly higher or lower than quoted
Note: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.

Normal Finance Packages (special offers)

The following finance package(s) are offered to any special offer products, subject to the noted minimum spend amounts.
These products are marked with a small logo: and will be marked as a special offer.
The minimum spend is the minimum total goods value to qualify for the finance package.

Examples are shown for a purchase price of £79.99 or the minimum spend required to qualify for the package.
Where the package is highlighted, the product which led you to this examples page would qualify.
Package
(Min. Spend)
Goods Deposit Loan APR Monthly Payment Total Payable Cost of Credit
Classic Credit 12 Months 15.9%
(Min Spend: £300.00)
£300.00 £30.00
(10%)
£270.00 15.9% APR Representative £24.35* £322.20 £22.20
Classic Credit 24 Months 15.9%
(Min Spend: £600.00)
£600.00 £60.00
(10%)
£540.00 15.9% APR Representative £26.14* £687.36 £87.36
Classic Credit 36 Months 15.9%
(Min Spend: £1200.00)
£1200.00 £120.00
(10%)
£1080.00 15.9% APR Representative £37.36* £1464.96 £264.96
*Final payment may be slightly higher or lower than quoted
Note: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.
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