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Criterium Cycles

Flexible Finance

We offer a series of flexible finance options for orders of £450 and above subject to age and status.

To do this we have partnered with both Klarna Finance (for their Pay in 3 Instalments product) and V12 Retail Finance for both their interest free and interest bearing finance products of 6 months and longer. If you would like more information on Klarna's Pay in 3 Instalments product, then click HERE. The rest of this page deals with V12's Interest Free and Interest bearing options of 6 months and longer.

Wherever V12 Retail Finance options are available, you will be presented with a range of interest-free or interest bearing options and you can simply use their brilliant online Finance Calculator to tailor your package to suit your budget consistent with whatever you are eligible for.

You can also use the Finance Calculator on this page to view a representative example.

How to apply for V12 Retail finance?

  • First, build your basket to a value of at least £450 (the minimum basket value we will accept if you wish to use V12 Retail Finance).

    Then choose 'Pay by Finance' during the checkout process.

    Complete the fully secure finance application form in the checkout and click submit

  • V12 Retail Finance will provide you with a decision in seconds.

  • If your application is approved and you go on to complete the order process, your order will be submitted to Criterium Cycles. It usually takes 90 minutes to do this but in certain circumstances, it can take up to 24 hours.

  • Once we receive confirmation from V12 Retail Finance, we will start processing your order and then send you an acknowledgement. If the order includes a bike, we will call you to discuss the process of handover.

Who is eligible to apply for finance?

All applications for finance are subject to age, credit, status and any terms and conditions. You will need to:

  • Be at least 18 years of age

  • Have been a UK resident for 3 years or more

  • Be able to make repayments by Direct Debit

  • Be in regular employment (which is a minimum of 16 hours per week) including self-employment or be in a permanent residence with your partner who is in regular employment.

Terms and Conditions

Interest free Finance is only available on purchases with a total value of at least £450.

Finance is only available on products that have not already been discounted / in a sale unless clearly marked otherwise.

Criterium Cycles reserve the right to change any of our terms and conditions relating to any finance product at any time.

Company Information

Criterium Cycle Company Limited (T/A Criterium Cycles) is registered in Scotland no. SC439426. Our Registered Office is Dobbies Garden World, Melville Nursery, Lasswade, Midlothian, EH18 1AZ.

Criterium Cycles is authorised and regulated by the Financial Conduct Authority (FCA registration 679581) and acts as a credit intermediary, offering credit products provided by :

V12 Retail Finance. V12 Retail Finance Ltd is a trading name of Secure Trust Bank Plc which is registered in England & Wales No. 541132. Their registered office is One Arleston Way, Solihull, B90 4LH. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority with registration number 204550. For more information, please visit

Klarna Bank AB (publ). Klarna Bank AB (publ) is authorised by the Swedish Financial Service Authority (Finansinspektionen) and is subject to limited supervision by the Financial Conduct Authority. Details about the extent of Klarna Bank AB (publ)'s regulation by the Financial Conduct Authority are available from them on request. Klarna Bank AB (publ) has its registered office at Sveavagen 46, 111 34 Stockholm, Sweden. Corporation ID number 556737-0431.

Finance example

Product value is £3000.00

Pay by Visa Pay by MasterCard Pay by Maestro Pay by Amex Pay by Klarna Pay by V12 Finance
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