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. You can apply for finance on all products over £99, with selected items available with 0% interest options. Depending on the amount you wish to finance you can choose to spread your payment over 4, 6, 12, 24 or 36 months.

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?
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 19.9% 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 19.9% 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 our 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.

PAYPAL CREDIT 19.9% FINANCE REPRESENTATIVE EXAMPLE
Representative 19.9% APR (variable)
Purchase rate 19.9% 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 is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.

V12 FINANCE 0% REPRESENTATIVE EXAMPLE
Purchase Price £2,000.00 Total repayable £2,000.00
Deposit 10% (£200.00) Duration of agreement 36 months
Amount of credit £1,800.00 Rate of interest (fixed) 0%
36 monthly payments £50.00 0% APR representative

 

V12 FINANCE CLASSIC CREDIT (15.9% APR) REPRESENTATIVE EXAMPLE
Purchase Price £1,500.00 Total repayable £1,831.20
Deposit 10% (£150.00) Duration of agreement 36 months
Amount of credit £1,350.00 Rate of interest (fixed) 15.9%
36 monthly payments £46.70 15.9% APR representative

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.

V12 Terms and Conditions

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

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

V12 Classic Credit is available for items discounted from MSP, interest is charged at 15.9% 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.

Sigma Sports is registered in England and Wales 04842265. Registered office: 37-43 High Street, Hampton Wick, Kingston Upon Thames, Surrey, KT1 4DA. Sigma Sports acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Sigma Sports is authorised and regulated by the Financial Conduct Authority. Our registration number is 04842265. Credit provided subject to age and status.

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