Apply for Finance

Financing Your Dream Ride with Whyte Bikes

At Whyte Bikes, we understand that getting your perfect bike should be as seamless as riding it. To make your new purchase even easier, you can now take advantage of V12 financing directly through our website.

We offer a range of finance options; from 0% APR to 15.89% APR terms over a period from 6 months to 4 years.

Spend £500 or more on a new bike with us and you can apply to spread the cost with our finance partner V12 Retail Finance. You can choose the deposit you want to pay, from 0% to 50%.


Interest Free Credit –

0% APR Interest-free finance is available over 6, 10 or 12 months with a minimum spend of £500 for new stocked bikes.


Fixed Classic Credit 9.89% –

Classic Finance (9.89% APR Representative) is available over 24 months with a minimum spend of £500 for new stocked bikes.


Fixed Classic Credit 15.8% –

Classic Finance (15.8% APR Representative) is available over 36 or 48 months with a minimum spend of £500 for new stocked bikes.

Subject to age and status. Terms and conditions apply.


Example 1 – Electric bike purchase over 12 months with 0% deposit.

Whyte E-160 S trail/enduro electric mountain bike - £5499

A loan of £5499: £458 a month, 0% APR Representative annual rate of interest (fixed) over 12 months.

Total amount repayable - £5499


Example 2 – Electric bike purchase over 24 months with £1000 deposit.

Whyte E-160 S trail/enduro electric mountain bike - £5499

A loan of £5499: £206 a month, 9.9% APR Representative annual rate of interest (fixed) over 24 months.

Total amount repayable - £5956



How it works

  1. Find your bike: Visit the product page of the bike you wish to purchase.  Use the V12 widget to see the finance options available.v12 widget location
  2. Double Check: Check the sizing options and add the bike to your basket.
  3. Checkout: Proceed to checkout as normal. You'll be asked to choose the retailer you'd like to collect your bike from.
  4. Payment: Fill in the final details including your billing address and choose V12 Retail Finance as your payment option.
  5. Complete V12 Application: Once the checkout is complete a new browser window will open with an application start page for V12 Retail Finance. The application will take some time to complete and will request information such as your address/address history and employment/employment history. The application doesn't have to be immediately completed, but the bike/s will not be held until the application is complete. Please read through the application thoroughly.
  6. Whyte HQ: Once the application is complete, Whyte Bikes will begin processing your order and dispatching your bike to your chosen retailer. 
  7. The Retailer: Once your chosen retailer receives the bike, they will begin setting it up as usual. They will then contact you directly by phone to organise a date/time suitable for collection. 
  8. Arriving at your Retailer: When you arrive to collect your bike, you will need to show 3 documents to prove your identity.
  • Valid British/EU passport or photocard driving licence.
  • Proof of address. Documents that can be used as proof of address are household utility bills (but not mobile phone bill). Current, valid full UK drivers’ licence, recent bank, building society or credit card statement (less than 3 months old) or a current local authority tax bill.
  • Email confirmation of your V12 approval (this can be shown to the retailer on your phone).

Please Note: Whyte Bikes has no ability to influence whether your finance application is approved or rejected.

Call our Rider Support Team: You can get help with our financing options by connecting with our dedicated rider support team. They're on standby, ready to assist you in finding the best financing solution for your new Whyte bike.

Phone: +44 330 088 3334
Hours of Operation: Monday to Friday, 9am - 5pm GMT


Will I be eligible?

Finance is available on new bike orders of £500 or more placed on our website. This does not include, sale, discounted or outlet bikes.

How long does a V12 application take?

It takes approximately 10 to 15 minutes; you will receive a decision immediately upon completing the application.

Can I order some P&A using V12?

Yes, but parts, accessories and clothing can only qualify for V12 Retail Finance if coupled with a bike order of £500 or more.

Will I be credit checked?  

When you apply for finance, the lender will run a credit check on your financial history to see if you are a suitable candidate for finance. This means that this search will show on your credit report.

What happens if my application is declined?

If your finance application is declined, your bike order will be cancelled, and you will receive email confirmation. V12 Retail Finance will not debit your card for the amount of the deposit that you have specified.

When do payments start?

If your application is successful, V12 Retail Finance will only initially debit the deposit amount (if specified), and payments will then commence by direct debit on the dates agreed upon in your direct debit agreement. The first instalment will not be debited until your local retailer has confirmed you have received your chosen bike.

What if I need to make a complaint?

In the first instance, we ask that you contact our customer care department. Either by filling in our online form available here- or by calling +44 330 088 3334

What if I need to return my bike?

Bikes purchased under a finance agreement can still be returned as usual. If the goods are returned, your finance agreement will be cancelled. For full details on Returns, please visit our Returns Page.

Who are V12 finance?

Secure Trust Bank PLC owns V12 Retail Finance Limited. V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. Secure Trust Bank PLC Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: Yorke House, Arleston Way, Solihull, B90 4LH. V12 Retail Finance is the trading name of Secure Trust Bank PLC.