We can offer various finance options to help you with you bike purchase from Merlin Cycles.

In respect of the Merlin and Rock Lobster range we can offer between 12 and 18 Months interest free finance via V12 our finance company. The minimum deposit is 10% with the balance payable by equal payments over the 12 or 18 months.
Example. Bike cost £1000. deposit £100 balance by 12 equal payments of £75. Total amount repayable £1000. Finance rate 0%.

In respect of Commencal bikes we can offer 24 months interest free finance at the RRP.
Again this is a minimum of 10% deposit and the balance by 24 equal monthly payments.

In respect of "sale" bikes due to the limited profit margin in these bikes we cannot offer 0% finance but can offer a "buy now pay later" scheme, details as below.

10% Deposit
39 monthly payments
29.8% APR
A deposit of 10% with no payments to make for 12months! Provided you pay the balance in full before the 12 month BNPL period expires you will pay NO interest! However, should you choose not to settle the outstanding balance in full before the 12 months BNPL period expires, you can simply continue to make your loan repayments on a monthly basis at the interest rate shown on the loan agreement.

Typical example: Cash price £399.00. A deposit of £40.00 followed by a 9 month deferred period. 39 monthly payments of £15.27 commence if balance is not settled. Total payable (inc deposit) £635.53 @ 29.8% APR. Please note there is a £30.00 (inc VAT) Arrangement Fee, which will be applicable on successful applications.