We have now made it even easier to place your orders via V12. Simply add your product to basket and choose V12 at checkout. You will then be forwarded to the V12 application page.
NOTE: If a product is reduced it may not let you apply for V12 as we have to process those on a case by case basis. Please contact us if you are looking for finance on discounted products.
WE ARE NOW PROUD TO ANNOUNCE WE CAN HELP YOU SPREAD THE COST OVER A LONGER PERIOD
We can offer:
0% APR Representative finance for up to 24 months
9.9% APR Representative for 36 months
15.9% APR Representative for 48 months
meaning those higher value purchases can be spread over a longer period, reducing monthly payments
SALE ITEMS CAN ONLY BE FINANCED WITH 15.9% APR REPRESENTATIVE UNLESS STATED OTHERWISE.
SIMPLY SPREAD THE COST OF YOUR NEW BIKE OR EQUIPMENT WITH NO INTEREST TO PAY!
0% APR Finance couldn’t be easier to arrange with Cykel House, enabling you to spread the cost of your new bike or equipment from 6, 10 or 12 months and pay nothing in interest.
So long as you meet the eligibility criteria are spending over £250 on a bicycle and/or equipment and have a minimum 10% deposit.
WANT TO ARRANGE 0% APR FINANCE IN STORE? NO PROBLEM.
Our friendly and experienced staff are on hand to help applying for 0% APR finance a doddle.
It takes around 15 minutes to apply for 0% APR finance and you will be able to walk away with your bike the same day! Subject to status and stock availability. Minimum spend applies.
IMPORTANT NOTES:
Please note that delivery must be made to your home address. 0% APR Finance is NOT available on discounted items unless stated.
0% APR Finance provided by V12 Retail Finance Ltd. Terms and Conditions apply and these are provided on the application form.
Cykel House 0% APR Finance is quick and simple to apply for; Contact us via chat, social media, phone 01977 520852 or email Hello@cykelhouse.com, we will send you a secure link to V12. It takes 5 minutes to fill in the secure online application and we will get back to you via email or telephone to confirm acceptance and progress your order.
V12 Retail Finance Ltd: consumer credit services are only available to over 18s and subject to status.
Credit is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: Yorke House, Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with registration number 204550. For more information please visit www.v12retailfinance.com
Cykel House Ltd is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our FCA registration number is 995316. Cykel House Ltd offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies.
In a hurry for your products? Just give the team a call on 01977 520852 and we will be able to prioritise your application over the phone.
- Spend a minimum £250 and above
- Pay a minimum deposit of 10%
V12 FINANCE FAQS
WHO IS ELIGIBLE TO APPLY FOR ONLINE FINANCE?
The person applying for finance;
- Is 18 or older
- Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working
student in part-time work or in receipt of a disability benefit - Has been a resident in the UK for at least 3 years
- Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable
- Has a Bank or Building Society current account available – this is required to complete the direct debit instruction
- Has an email address to receive the important information throughout the application process, including their signed credit agreement
WHEN DO MY REPAYMENTS START?
Your monthly repayments will begin one month after your purchase has been delivered.
ARE THERE ANY ARRANGEMENT FEES OR HIDDEN EXTRAS FOR CREDIT?
No. There are no arrangement fees or hidden extras.
APPLYING FOR ONLINE FINANCE
If the products in your basket are valid for finance options, V12 finance will show in payment methods at checkout.
You will be referred to V12 to complete a simple online form.
Many applications receive an automated decision shortly after submission. In some circumstances, an application may be referred for additional review.
Where an application is referred, the lender may contact you for further information before making a decision. Applications submitted outside the lender’s underwriting hours may not be reviewed until the next working day.
Cykel House does not make lending decisions and will not normally be told the detailed reason why an application has been declined.
YOUR QUESTIONS ANSWERED
Here’s some of the most commonly asked questions regarding online finance.
ONCE MY APPLICATION IS APPROVED, WHAT HAPPENS NEXT?
Once your application has been accepted, you will be asked to electronically sign your credit agreement. Your finance agreement will become active once you have received your purchase, after which your monthly repayments will begin in accordance with the agreed repayment schedule.
Once you have agreed to the terms of the finance agreement Cykel House LTD trading as Cykel House will be notified and you need do nothing more.
WILL YOU CREDIT SCORE ME AND IF SO, WHAT DOES THIS MEAN?
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.
IF YOU DECLINE MY APPLICATION, WHAT IS THE REASON?
In addition to credit scoring, V12 Finance also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though V12 Finance is unable to provide you with a main reason for the decline of your application, it is usually based on one, or a combination of the following:
- Your credit score (please 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
WHAT TYPE OF INFORMATION DO CREDIT REFERENCE AGENCIES HOLD ABOUT ME?
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.
HOW DO I OBTAIN A COPY OF THIS INFORMATION?
You should send details of all addresses at which you have lived over the last 6 years to the relevant credit reference agency:
- Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
- Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
- TransUnion 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.
IF MY APPLICATION IS NOT SUCCESSFUL, CAN I RE-APPLY?
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.
CAN I REQUEST DELIVERY TO AN ADDRESS OTHER THAN MY HOME?
In order to safeguard against fraudulent applications, we regret that we are only able to deliver goods to the home address of the applicant.
COMPLAINTS ABOUT FINANCE
If you are dissatisfied with the credit-broking service provided by Triton Cycles, please contact us:
Cykel House
Francis Street
Castleford
West Yorkshire
WF10 1HF
Telephone: 01977 520852
Email: Hello@cykelhouse.com
Please provide your name, order number, finance application or agreement reference where available, and full details of your complaint.
We will investigate your complaint and provide a response in accordance with the applicable Financial Conduct Authority complaint-handling requirements.
If we have not resolved your complaint within eight weeks, or you are dissatisfied with our final response, you may be entitled to refer your complaint to the Financial Ombudsman Service free of charge.
You must normally refer your complaint to the Financial Ombudsman Service within six months of the date of our final response.
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
Website: www.financial-ombudsman.org.uk
Complaints concerning the administration of your credit agreement, repayments or a lending decision may need to be referred directly to V12 Retail Finance using the contact details shown on your credit agreement.
CONTACT US
For further information about purchasing from Cykel House using retail finance, please telephone 01977 520852 or email Hello@cykelhouse.com.
Our staff can explain the finance application process but cannot provide financial advice, guarantee acceptance or recommend whether a finance product is suitable for your individual circumstances.