Free delivery on orders over £40* | Huge selection of bikes from top brands including Orange, Trek, Marin and Mondraker | 0% APR finance available online now

0% APR Finance and Interest Bearing Finance (subject to status)

Sunset Cycles is pleased to offer you the ability to spread your payments with 0% APR Finance and Interest Bearing Finance (12.9% APR representative) plans. We offer a number of finance plans for you to choose from, depending upon the total amount you wish to borrow:

  • 6 months on purchases over £320*
  • 10 months on purchases over £320*
  • 12 months on purchases over £320*
  • 18 months on purchases over £320*
  • 24 months on purchases over £500*
  • 30 months on purchases over £2,000*
  • 36 months on purchases over £2,000*
  • 48 months on purchases over £5,000*

*0% APR Finance availability on sale bikes may vary - see individual product page for details.

0% APR Finance is available on most bikes, however, we are also now offering low rate Interest Bearing Finance (12.9% APR representative) on selected sale bikes that are heavily discounted to clear. This means you can now take advantage of our lowest sale prices and spread the payments over 12, 24, 36 or 48 months.

How much does 0% APR Finance cost?

With our 0% APR finance plans you will never pay more than the total amount of your purchases. We're also flexible with the amount of deposit you pay, provided your deposit is at least 20% of the total value of your purchases. Use the finance calculator oppositebelow to see what your payments might be across different finance plans.

[ Min: £100.00 / Max: £250.00 ]



Loan Amount


Interest Rate (APR)

0.00% APR representative

17 Monthly Payments of


Plus a Final Payment of


Total Payable (inc. Deposit)


Provided by V12 Retail Finance

Instant decision - no paperwork involved!

Our finance process is now instant, which means there are no more forms for you to sign, and you will know instantly whether or not you have been approved for credit. Your order will now take no longer to arrive than if you paid by credit card.

Applying for finance has never been easier. We are now using the amazing new V12 fully online application system that has all the following benefits:

  • Online instant decision
  • Totally paperless - no printing or waiting for paperwork to sign
  • Goods dispatched straight away*
  • Repayments don't start until 1 month after you receive your goods

*Available on bikes that are in stock

V12 Retail Finance

How do I apply for a Finance Plan?

Browse this website and add products to your basket in the normal way, using the Add To Basket button.

When you are happy with the products you have selected, click on the Finance Application button, which appears at the bottom of the basket summary screen.

At this point you will be given clear instructions that will allow you to complete your finance application. Assuming your application is accepted you'll be able to place your deposit and confirm your order right there. There are no forms to sign! If your finance application is accepted and you pay the deposit, your order will come through to Sunset Cycles and we'll send you the goods.

We can also process your finance application in-store or over the telephone. Just give us a call on 02920 390883 (for in-store applications please bring 2 forms of ID).

How do repayments work?

Monthly repayments will be taken by direct debit. Your finance agreement starts when you receive your goods. You don't start repaying your loan until a month after you have received your order.

Cooling-off period

You have 14 days from the receipt of your order to change your mind about the purchase. If you wish to keep the goods but cancel the finance, all you have to do is contact Sunset Cycles and pay for the order via an alternative means (i.e. a credit card). Sunset Cycles will then cancel your credit agreement and V12 will return your deposit. If you don't wish to keep the goods, then you must return your order to Sunset Cycles in the same condition that you received it, at which point Sunset Cycles will cancel the agreement and V12 will return your deposit.

Who provides the finance?

Sunset Sports Limited is a licensed credit broker not a lender, authorised and regulated by the Financial Conduct Authority under number 692479. Credit is subject to status and available to permanent UK residents only. Finance will be provided by V12 Retail Finance a trading name of Secure Trust Bank PLC. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH. The retailer is Sunset Sports Limited T/A Sunset Cycles. Written terms available on request.

Credit provided subject to age and status. 0% APR representative.