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We offer a range of 0%APR finance options on a selection of Road Bikes, Mountain Bikes, Electric Bikes, GPS Units, Car Racks, Turbo Trainers and more (minimum spend £250). Don't worry if the products you have chosen doesn't reach the minimum spend for finance, either. You also get finance on the total amount of your basket, providing that the items add up to £250. 0%APR finance may not be available on all items, please refer to the product page or speak to our helpful sales team on 0330 555 0080 for more info. We also offer interest bearing 9.9% options and a flexible buy now, pay later option across our range of products (min spend £250).

We also offer finance in our stores. Feel free to drop by and speak to our helpful store teams who can help you find the right products, and you can fill in an application form on the day. Find your nearest store.

🔒NEW Security checks - in order to help keep our customers safe online - in conjunction with Novuna Finance - we have recently implemented additional security checks as part of our online finance process. These additional checks may require you to submit photographic ID when placing a finance order remotely, so remember to keep an eye out for emails from Novuna which may request this additional information. Please contact our helpful teams if you have any questions.

Want to pay a deposit?

All of our finance options are available online with no deposit, however if you would like to pay a deposit then you can speak to our helpful Rider Support team who will arrange this and process your application for you. Our Rider Support team are available Monday-Friday 09:00-17:00

Call 0330 555 0080

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Request a call back: Click here

Buy now, pay later

Buy now and settle within 6 months with zero interest!*

Order today and pay nothing for 6 months with our new buy now, pay later option. Spread the cost of your dream bike or kit. (£29 admin fee applies, minimum spend £250.)

  • Bikes carefully prepared by experienced mechanics
  • NEW premium delivery service (free on bikes over £3999!)
  • Next day despatch as standard

*With Buy Now Pay Later, for the first 6 months of the agreement you can pay as much or as little as you want, when you want. If you pay off the finance in full during the deferral period, you will avoid paying any interest on your loan and only an additional charge of a £29 settlement fee will be required. If you don't pay off your finance in full within the 6 month deferral period, fixed monthly repayments begin, which will be for 36 months with a 16.90% APR. The 16.90 % APR will be applied to the outstanding balance of your loan.

Spread the cost with PayPal pay in 3

Available on baskets £30 - £2000, select PayPal in checkout. PayPal Pay in 3 allows you to buy now and pay later. Spread the cost over three interest-free payments, with no set-up fees or charges*. Just check out with PayPal and choose Pay in 3 where available. Link to Pay in 3 FAQ's

Do I qualify?

To qualify ...

  • You are over 18 and in receipt of a regular income
  • You have a good credit history with no late payments, debt relief orders, CCJ's, IVA's or bankruptcies
  • You are a permanent UK resident and able to supply a UK address history for the last 3 years

Meeting this criteria does not guarantee acceptance. Applications from students (unless employed at least 16 hours per week), or unemployed single house persons will not be considered.

Applications also welcome from retired individuals, in receipt of a private or company pension (aged 50 or over at date of application).

Finance In-Store

We offer the exact same finance options in-store, to complete your in-store application you will need to bring two of the following as proof of address.

  • A valid UK driving licence.
  • Bank statement (not internet statement)
  • Credit card statement (not internet statement)
  • Gas, Water or electricity bill.
  • Mortgage statement.
  • Landline telephone bill (not mobile)

Finance FAQ

Just select the finance option on the checkout page or come into your nearest store or you can also contact our Rider Support team on 0330 555 0080.

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more. Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however, the employment details of your spouse / partner will be required in order to process your application.

Your monthly repayments will begin one month after your purchase has been completed.

No. There are no arrangement fees or hidden extras

All finance decisions will be made within 60 seconds. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange delivery. If you your application is referred, Novuna's Underwriting Team will review your application and may request some further information from you before making their decision.

In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant.

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement. If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Rutland Water Cycling Limited trading as Rutland Cycling will be notified and you need do nothing more. If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies.

Though Novuna is unable to provide you with a main reason for the decline of your application, it is usually based on one of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF

Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

To ensure your chosen products are correctly delivered to you, if you need to change your order in any way, we will need to cancel your order and re-key it as if it were new. We apologise for any inconvenience this may cause.

If you've already received confirmation of approval for online finance via Rutland Cycling, by the time you decide to change your order, then the decision will stand from your original application so long as the order value has not increased. If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way.

We don't allocate your order until we know your credit application has been approved, so there's a very small chance that the item you've ordered becomes out of stock while we're awaiting your approval. In this unlikely event, we will offer you an alternative or cancel the agreement.

The 'rate of interest' is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is "APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.

Representative Examples

Interest free

12 months at 0% APR representative example

Price - £999.00

Advance Payment - £100.00

Amount of Credit - £899.00

Interest Rate - 0% p.a. fixed

Representative- 0%APR

Total Term - 12 Months

0 month payment holiday followed by 12 monthly payments of £74.91.

Total Amount Payable - £898.92

Interest free

24 months at 0% APR representative example

Price - £1,330

Advance Payment - £0.00

Amount of Credit - £1,330.00

Interest Rate - 0% p.a. fixed

Representative- 0%APR

Total Term - 24 Months

0 month payment holiday followed by 24 monthly payments of £55.41.

Total Amount Payable - £1,329.84

Interest bearing

48 months at 9.9% APR representative example

Price - £1788.00

Advance Payment - £0.00

Amount of Credit - £1788.00

Interest Rate - 9.9% p.a. fixed

Representative- 9.9%APR

Total Term - 48 Months

0 month payment holiday followed by 48 monthly payments of £44.91.

Total Amount Payable - £2,115.68

Buy now, pay later

6 months deferred, then 36 months at 16.9% representative example

Price - £1,900.00

Advance Payment - £0.00

Amount of Credit - £1,900.00

Interest Rate - 16.9% p.a. fixed

Representative- 16.9%APR

Total Term - 42 Months

6 month payment holiday followed by 36 monthly payments of £71.01.

Total Amount Payable - £2,556.36

Finance Terms & Conditions

Consumer credit service provided by Novuna Personal Finance a trading name of Mitsubishi HC Capital UK PLC. For more information, please visit

The finance option is applicable on any order over £250, including VAT. It is also available in our shops, at the discretion of our store managers.

All offers of finance are subject to acceptance by Novuna Personal Finance. Rutland Cycling accepts no liability in relation to the credit analysis and resulting contractual obligations. Please direct all enquiries in writing to: Novuna Personal Finance;

Please keep a copy of the Terms and Conditions as well as your invoice for your records. We advise applicants to keep the documents relating to the financing application.

If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Rutland Cycling reserves the right to change these Terms and Conditions at any time.

Rutland Water Cycling Limited is registered in England and Wales 2926548. Registered office: The Old Station Yard, Wing Road, Manton, LE15 8SZ. Rutland Water Cycling LTD (Reference number: 800269) trading as Rutland Cycling are an appointed representative of Specialized (UK) Retail Limited (Reference number: 976130) which is authorised and regulated by the Financial Conduct Authority for credit broking. Credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply.


On the rare occasion that we do receive a complaint, we take it very seriously. If you are unhappy with the any aspect of the goods you purchased with us you may contact us in any way you prefer. Our contact details are as follows:

If your complaint relates to your finance agreement.
If your complaint relates to the finance linked to your purchase you can still let us know about this, but we will forward it on to your credit provider Novuna (previously Hitachi Capital). Novuna will acknowledge your complaint and investigate it thoroughly and issue their response within eight weeks.

What to do if you can't reach an agreement
If you are not satisfied with Novuna’s response to your complaint relating to the finance agreement, you may be able to refer the matter to the Financial Ombudsman Service. You must contact them within six months of the date of Novuna’s final response letter to you. They can be contacted in the following ways:

Further details can be found on the Financial Ombudsman Service website: