Interest Free Credit Options

Paying for your dream bike, wheels, clothing or accessories may be easier than you think with Sigma Sports' fantastic range of finance options, provided by PayPal and V12 Finance.

If you are collecting an order from store finance must be arranged in-store. Visit us now, to discover the options available to you.

What is PayPal Credit?

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that sits alongside your PayPal account which you can use for your online purchases.

What credit offers are available?

Instalments with PayPal Credit

If your basket is eligible, a selection of 0% or Interest-Bearing instalment offers will be displayed enabling you to spread the cost of your purchase across a number of monthly payments. With instalment offers from PayPal Credit you get:

  • Regular monthly payments - you pay the same amount each month to help you plan better
  • A credit limit linked with your PayPal account makes it easier to buy everything you need

0% for 4 months

A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase.* Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 23.9% p.a.

*The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 23.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

How do I apply?

Applying for PayPal Credit is easy. Just click on the PayPal Credit button on the basket page.

The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

Before you apply, please make sure you

• Are a UK resident aged 18 years or older
• Have a good credit history
• Have not recently been declared bankrupt
• Be employed and have an income greater than £7,500 per year

Do I need to reapply if I already have PayPal Credit?

If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout.

Do I need to have a PayPal account?

Yes, however, if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.

Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.

What do I do if I am unsuccessful in applying for PayPal Credit?

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.

What happens if I want to return the item I bought using my PayPal Credit?

Just return your purchase as normal and the money will be refunded to your PayPal Credit account.

What is the cost of PayPal Credit outside of promotional offers?

The Representative Example below shows the typical costs of using a PayPal Credit limit, without using promotional offers.

For further information, visit the PayPal Credit FAQ page.

Representative 23.9% APR (variable)
Purchase rate 23.9% P.A. (variable)
Assumed credit limit £1,200.00
Finance provided by PayPal Credit, Terms and Conditions apply. Credit subject to status. UK residents only. Sigma Sports Limited acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.

How do I apply for V12 finance?

Spreading the cost of your purchase across monthly payments is easy. Finance is available on purchases made in-store as well as online. You can complete your online transaction in these 4 easy steps:

Step 1
Add items to your basket

All items available with interest-free options will display messaging containing further information on all available options.

Step 2
Checkout using V12 Retail Finance as your payment method

Choose from the range of finance options available to you. You will be given a breakdown of your monthly payment, deposit due and the overall cost of your purchase.

Step 3
Complete your online finance application

A quick and easy process that takes just minutes to complete

Step 4
Receive your instant decision

As soon as your application is approved we'll process your order.

Loan Repayment £989.99 Cash Price £1,099.99
Deposit 10% Deposit to Pay £110.00
Monthly Payment £82.50 Loan Amount £989.99
Final Instalment £82.49 Cost of Loan £0.00
Total Amount Payable £1,099.99 Number of Monthly Payments 12


Loan Repayment £2,405.04 Cash Price £2,299.99
Deposit 10% Deposit to Pay £230.00
Monthly Payment £100.21 Loan Amount £2,069.99
Final Instalment £100.21 Cost of Loan £335.05
Total Amount Payable £2,635.04 Number of Monthly Payments 24

V12 Terms and Conditions

Please note that interest-free credit is only offered on full price (MSP) eligible Bianchi, Cannondale, Cervelo, Focus, Rondo, Specialized and Trek products. Some exclusions may apply.

0% Finance is not available on sale, Cyclescheme or discounted models unless otherwise stated.

V12 Classic Credit is available for items discounted from MSP, interest is charged at 14.9% APR and can be spread over 12, 24 or 36 months. A minimum deposit of 10% of the order value is required by either credit or debit card.

You must be a permanent resident of the United Kingdom and must have lived in the UK for the last three years or more. Unfortunately, online finance cannot be offered to residents of Eire. In order to safeguard against fraudulent applications, we regret that we're only able to deliver goods to the home address of the applicant. We may receive a commission if your application is successful and the amount may vary depending on the product chosen and the amount of credit taken out.

Sigma Sports Limited acts as a credit broker, not the lender and will introduce you to Secure Trust Bank PLC, trading as V12 Retail Finance Limited. Sigma Sports Limited is authorised and regulated by the Financial Conduct Authority – Registration Number 688619. Applications are subject to status, minimum spend applies.

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