Fancy a bike but haven't got the cash ready? Our finance options allow you to spread the cost of bikes or cycling gear. The application is all done online with Deko.

How does it work?

If you want to pay using finance, choose this option in the checkout. If your purchase qualifies, finance will be available as a payment option.

Types of finance offered

The value of your purchase will determine which finance options are available.

  • If your order is greater than £250 (£280 with minimum required deposit), spread the cost of your purchase up to 60 months. There is a minimum 10% deposit and maximum 50%, APR is 0% - 14.9%.
  • 0% APR finance is available on a selected products. Custom ordered bikes require a minimum 30% deposit to qualify. eg. Brompton or Moulton.


To apply for finance you must be:
  • At least 18 years of age.
  • A permanent UK resident.
  • In regular employment (minimum of 16 hours per week) including self employment, or in permanent residence with your spouse/partner who is in regular employment.
  • In receipt of pension if you are retired.
  • Application process

    Select a finance option in checkout from the options available. It takes approximately 5-10 minutes to fill out the online application (which is on Deko secure server). Deko will respond with a decision within minutes. Please note, this will involve a credit search.

    You then e-sign the Credit Agreement, and send this to Deko. When this is received by Deko, we will process your order and ship your goods.

    If your application is declined, you have the option of choosing an alternative method of payment (credit or debit card) and your deposit will be refunded to your card.

    Please call Deko on 0800 021 7150, or call us on 0207 148 5572 if you have unanswered questions.

    **All orders paid for by Finance can only be shipped to the billing address as used on your application.**

    Velorution are authorised and regulated by the Financial Conduct Authority, register number 737919. Bike Republic Ltd is a broker and not a lender.

    Finance is provided through the Deko platform by a number of lenders. You will be offered the best rate available based on your credit history and the lenders’ credit decision policies.

    Deko is a trading name of Pay4Later Ltd which acts as a credit broker, not as a lender. It is registered in England and Wales (company number 06447333) and is authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to or visit