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PaybyFinance - Buy Now Pay Later 12 Months Finance

What is it?

Buy Now Pay Later 12 Months - get your goods today, pay a 10% deposit today then pay nothing for 12 months. Your outstanding balance will then be spread over 36 monthly payments and subject to interest.

You can pay off your loan at any time during the first 12 months, before the first instalment. If you do this, you will pay no interest, just a £29 settlement fee. Your 12 month deferral period will start on the day your loan is agreed which may be before you receive your goods.

This finance product does not affect your Podium Point total

Please note, products bought using finance can only be delivered to the address used for the finance application (usually your home address) or collected in store.

Basic Requirements

  • Finance only available with purchases which include a bicycle or finance eligible wheels
  • Minimum spend £399
  • You must be 18 years of age or older
  • You must be in permanent paid employment or retired and receiving a pension, or be a houseperson with a partner in permanent paid employment or be self employed
  • You must have been a resident in the UK (or a British Crown Dependency if approved by Novuna) for a minimum of 12 months
  • You must be able to make payments by direct debit
  • You must be purchasing the bicycle or wheels for personal use and not for business use.

Credit subject to status and affordability. Terms & Conditions Apply. Pedal On Limited are a credit broker and are Authorised and Regulated by the Financial Conduct Authority.

Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk (Novuna Personal Finance, 2 Apex View, Leeds, LS11 9BH. 0344 375 5500).

PaybyFinance - Buy Now Pay Later 12 Months Finance

Representative Example based on £1000 Bicycle:

Finance Quotation based on Current Cart Contents:

How to pay for your goods by Finance:

  1. Add your goods to your shopping cart
  2. Add your desired finance package to your shopping cart
  3. Checkout. You will be forwarded to our finance partner's website to apply for finance.
  4. If your finance application is successful you will need to either;
    Print, sign and return the finance agreement to Novuna Personal Finance OR e-sign the documents online, if eligible to do so.
  5. When your signed or e-signed documents have been accepted by Novuna Personal Finance we will contact you for the 10% deposit and ship your goods.

Click & Collect Finance:

If you'd like to collect your bicycle in store and apply for finance before you visit us you must also add the Click & Collect option to your shopping cart.

When your signed or e-signed documents have been accepted by Novuna Personal Finance we will contact you for the 10% deposit and confirm your collection date.

When you visit us to collect your order you must bring the following items:

  1. Photographic ID: Valid Passport or Driving Licence
  2. Proof of Address: Driving Licence or Public Utility bill (Dated in last 3 months showing applicant's name & address, online bills/statements are not acceptable.)
  3. Credit/Debit card used for deposit payment. This must show the applicant's name and be registered to the address used in the finance application.
  4. Proof of order: A copy of your order email confirmation from us.

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