To improve your shopping experience today and in the future, this site uses cookies.
I Accept Cookies

Highland Bikes

Our finance is simple to use and allows you to spread the cost of your purchases up to 36 months. Our easy application process means you can apply online or in-store with instant decisions and with no signatures required meaning your purchase will be processed immediately.

Finance is available on baskets totalling £500 or more although some exceptions may apply such as items that are on special offer. Examples are shown on the product pages but written quotations are available on request.

To apply for finance, simply add any qualifying items to the basket and head to the checkout. The financing options will be presented to you and you can choose the option that suits you best. The deposit can be adjusted although there is a minimum of 10% required. The process should take you no more than 10 minutes. Once you have had the application approved we will contact you by phone in order to take your deposit by credit/debit card.


To apply, applicants must be able to fulfil the following criteria:

  • Be aged between 18 and 75 years old
  • Be either employed for more than 16 hours per work, self employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance.
  • Been a UK resident for 12 months of more.
  • Be able to pay by Direct Debit.
  • Be able to provide address details for the last 3 years.


So what else do I need to know?

Finance is provided by Secure Trust Bank PLC trading as V12 Finance.

Items purchased online using finance can only be sent to the address on the agreement and goods must be signed for. There are no exceptions to this so please don't ask. If you can't wait for delivery then you can apply in-store meaning you can take your purchases straight away.

A cooling off period of 14 days is offered meaning that should you change your mind about the finance, then you can simply arrange an alternative payment for your goods and we will cancel your Finance Agreement.

On occasion, anomalies may occur on our website which may allow you to purchase items on finance that should not be available. Highland Bikes reserves the right to cancel any agreement that has been processed in error as per our Terms and Conditions.

If you would like a written quotation on a specific product then please drop us a line using either the 'Ask a Question' button available on the product pages or using the form on ourContact Us page.

Finance example

Product value is £3000.00