0% APR Finance Options Available

Owning your dream bike is easier than ever with our wide range of finance options, starting with 0% APR finance on baskets £35-£999. Then with just a 10% deposit required, explore our range of finance options for bikes over £999.

V12 Retail Finance

We've partnered with V12 Retail Finance to provide a wide range of finance options to suit all budgets. All full priced bikes over £999 are available on 0% APR finance; options on sale and offer bikes will vary. A minimum deposit of 10% is required, with payments spread over a period of 12-48 months.

Gear and accessories can be purchased with finance in conjunction with a qualifying bike. Please note that the finance term is calculated by the bike value rather than the basket value.

table of Giant Bicycles UK finance price bands


We've partnered with Klarna to bring you new ways to pay at checkout. It's a safe and simple way to get the clothing, accessories or bikes (sub £1000) that you want, when you want it. Simply create a basket value of between £35 - £999, and head to checkout.

Klarna gives you two easy ways to get the products you love. Choose 'Pay Later' and get up to 30 days to pay for your order with no interest and no fees when you pay on time. Or, split the cost of bigger purchases into 3 monthly payments with no interest, no fees when you pay on time and no credit agreement.

Learn more by visiting our dedicated Klarna page.

Learn More


PayPal offers 0% finance on baskets over £99 & above over 4 months. This offer applies to bikes & accessories, so you can get the products you love with repayments to suit you.

If you wish to take advantage of PayPal Credit, please select 'PayPal' option at checkout. For more information about PayPal credit, please visit the link below.

Learn More

FAQ's For V12 Retail Finance

Anybody can use our flexible finance options, as long as they meet the following criteria; - Be at least 18 years of age - Have been a UK resident for 3 years or more - Be able to make repayments by direct debit - Be 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.) If you meet the criteria, then there will be a full credit check upon application to assess further.

Our online application form is a fast and easy process. Once complete, your application will then be instantly sent to the finance company and they will get a response to you as soon as possible. Some applications may take longer to process. If for any reason we can't give you an instant decision, you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

Yes. A credit check forms part of the automated decision making process. You will be notified at which point during the application process the credit check will take place.

Yes. V12 acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that they will automatically turn down a further request. V12 do suggest however, that you leave at least 6 months between applications.

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal.

If you have a question, require further information or if there is anything you do not understand regarding the credit agreement, please call V12 Retail Finance on 029 2046 8900 or seek free, independent advice from organisations such as the Citizen Advice Bureau or the Money Advice Service.

Yes. You have the right to repay all or part of the credit early at any time – you should contact V12 Retail Finance for details of the process by phone, e-mail or letter at the following; Telephone: 029 2046 8900 Email: customerservices@v12finance.com Address: V12 Retail Finance Limited 20 Neptune Court Vanguard Way Cardiff CF24 5PJ

Unfortunately, we do not offer sale bikes with 0% APR finance at the moment, although we do occasionally run limited-time offers in which this may become available.

Finance is available on selected products ordered through our website, provided by V12 Retail Finance. The finance offers available are product specific and are displayed on eligible products. When you proceed with your order, simply choose V12 Retail Finance at the checkout and you will be redirected to the V12 website to complete your application. If you have any questions or problems with your application you can contact V12 Retail Finance. If your application is successful, your order will be confirmed to Giant - we will contact you by email to let you know your order is proceeding. If your application is unsuccessful, V12 Retail Finance will inform you and your order will be automatically cancelled.

You don't make any payments until you have collected your items. Your first payment is approximately 30 days from the point of acceptance, but dependent on when you collect your items. For first payment date details please refer to your credit agreement, online V12 portal or contact V12 Retail Finance directly.

Returns for goods purchased through finance are handled exactly the same as any other order. Simply notify us of your cancellation request via our online form and we will process the cancellation within 3-5 days - any payments you have made will be automatically refunded.

Yes - the minimum deposit is 10% of the product value, however you can enter any deposit you wish up to 50%. This can be entered at the checkout stage once you've added the bike to your basket.

Applications and the final decision are dealt with solely by V12 Retail Finance, so we are unable to provide any information on specific cases or reasons for being declined. If you wish to discuss this further, please contact V12 Retail Finance directly.

For fraud prevention and security reasons, we ask that you bring a copy of your credit agreement (an online copy is acceptable), Passport or Drivers licence, a utility bill with the same address as the order (no less than 3 months old) and the card you used to place the deposit (the last 4 digits need to match).

Unfortunately not, for fraud prevention and security reasons we can only hand over the bike to the person with the credit agreement and passes the identification checks.

Finance is subject to status. From time to time, we may vary the terms of our finance offer at our discretion. To be eligible to apply for finance, you must be 18 or older, in regular employment and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. We reserve the right to withdraw finance on certain products at any time. Finance as a payment method is provided through our external partner V12 Retail Finance. If your application is successful you will enter into a Credit Agreement with V12 Retail Finance.

Representative Examples;

Total amount of credit: £3,299
Interest rate 0% APR
Duration of loan: 24 months
Deposit amount (10%): £330
23 monthly payments of £123.71
1 final payment of £123.67
Total amount payable £3,299

Cash Price: £6,299.00
Amount of deposit payable: £629.00
Total amount of credit: £5,670
Loan term: 48 months
Deposit amount (10%): £629
Annual rate of interest: 5.14% Fixed
Monthly repayments: £142.39
Representative APR%: 9.9%
Total cost of credit: £1.164.72
Total cost of credit: £7,463.72


Credit is available subject to status to UK residents aged 18 or over. Giant UK LTD. acts as a credit broker and not as a lender and is registered in England 2167762. Giant UK Ltd FRN: 729086 is authorised and regulated by the FCA. Registered office: Charnwood Edge, Syston Road, Cossington, Leicestershire, LE7 4UZ. Giant UK Ltd act as a credit broker, not the lender and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.Credit provided is subject to status and minimum spend. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority”