Help & Advice

Back to results

Finance at Halfords

Image for Finance at Halfords article

Here at Halfords we're now offering finance in-store and online - read this article to find out more!

0% Bike Finance

Got your eye on a new bike, but not quite sure about taking the hit to your bank balance?

We know the feeling. That's why we're now offering finance on any bike over £399. Even better? 0% interest free credit is available, too!

How to apply

Step 1

Choose your Bike

0% Bike Finance

Finance is available on any bike over £399.

Step 2

Check your eligibility

0% Bike Finance

You'll have to meet a few criteria in order to apply for finance. You can find all of these at the bottom of this page.

Step 3


0% Bike Finance

Simply add your chosen bike to your basket, and on the checkout page you'll be asked if you want to apply for finance.

Step 4

Ride off into the sunset

0% Bike Finance

Once your finance application has been approved we'll begin building your bike. You'll be riding off into the sunset within a few days!

Enjoy now, pay later.

Our finance plan lets you enjoy your new bike now and pay it off later, spreading the cost over 12 months. And because we're not adding any interest, you're not paying anything extra.

Please note that finance is not available on bikes sold by our Approved Partners.

Finance Terms and Conditions

Finance is available on specified orders with a minimum loan amount of £399 and is subject to your status, please note that acceptance for finance is not guaranteed; see Eligibility for Finance.

We reserve the right to withdraw finance on certain products at any time.

Finance is provided through our external partner, V12 Retail Finance Limited ("V12"). If your application is successful you will enter into a Credit Agreement with Secure Trust Bank Plc, who is V12's parent company and which will be administered by V12.

V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

Eligibility for Finance

You'll need to be:

  • 18 years or older.
  • A UK resident for 3 years or more/Permanent UK resident.
  • Able to make regular repayments by Direct Debit.
  • In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*
  • Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.

Other conditions may apply and we cannot guarantee that your application will be accepted.

* If you are retired and receive a pension, or registered disabled and unable to work, V12 Retail Finance may ask for proof of income.

If your application is successful, you'll be asked to verify your identity by authorising a 50p transaction against a credit or debit card that you own. This helps protect you and us against fraudulent finance contracts. No money will be taken from your card, the details are only used to check that they are valid and registered to your address.

If your application is declined

If your application isn't successful, you can still purchase the item in full via PayPal or with a valid credit or debit card. If your application is declined, it may be for one of the following reasons:

  • you do not meet the eligibility criteria;
  • adverse credit reference agency information;
  • your credit score;
  • you are considered to be overcommitted financially; or
  • your existing account performance with other lenders.

If you wish to appeal the decision made by V12 Retail Finance, it's advised you obtain an up to date copy of your credit report before appealing directly to V12 Retail Finance. Due to data protection, all customer appeals must be via email to or for more advice, call V12 Retail Finance on 02920 468916

Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Bike Build Service Bike Build Service