Finance

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At Richmond Cycles, we have a range of different payment options that can make getting that dream bike more affordable than you might think. 

 

Spread the cost with flexible finance

At Richmond Cycles, we understand that many customers may prefer the option of paying with finance, That's why we're proud to be partnered with established credit brokers, Ideal4Finance, to enable you to spread the cost of your purchase with monthly payments.

 

The following finance options are available, always subject to the lender's assessment:

  • 0% APR finance over 6 or 12 months
  • Fixed rate finance at 9.99% APR over 24 months
  • Fixed rate finance at 14.99% APR over 36, 48 or 60 months

A deposit may be required and we will agree the deposit amount with you before you begin the application process.

 

Ideal4Finance help thousands of people secure finance for their purchases. They use only reputable lenders and are Trustpilot-rated ‘Excellent’.

You can apply online, and decisions are made quickly. The final decision is based on your individual circumstances, including your personal credit profile, how much you want to borrow and the loan period.

 

Here is a representative example of £5,000 purchase, with a 25% deposit, paid over five years (60 months) at 14.99% APR.

Purchase amount £5,000; deposit amount £1,250; total credit £3,750; interest rate 14.99% (fixed); loan duration 60 months; monthly repayment £87.35; total repayable £5,241.09; total cost £6,491.09.

* Please note the representative example provides an indication only and the exact details will be provided at the application stage.

 

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.

If you're ready to apply, CLICK HERE to begin the application process. If you need support with your application, please call Ideal4Finance on 020 3617 4647 (Mon to Fri, 9am to 5pm).

 

Nightingale Bikes Limited t/a Richmond cycles is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.