Bike & Electric Bike finance

Whether you're looking to finance a bike or an electric bike in the UK, MTB Monster offers flexible financing options through V12 and Klarna on all orders over £500*.


Choose the option that works best for you and spread the cost of your new bike and accessories over periods up to 48 months*, with 0% APR finance available on select plans (*subject to terms, conditions, bike & provider).


Here's how to explore your financing options & apply in 4 simple steps:

Bike & Electric Bike 0% finance

1. Select your bike & finance options:


Find the bike and accessories you love on our website. View the finance options available on either the product page or shopping cart (see image). 


Here you can view the different finance packages available by clicking ‘learn more’. Choose the plan that aligns with your budget and repayment preferences.

Bike 0% finance

2. Proceed with checkout & select provider


Once you are ready and happy with your shopping basket, click ‘checkout securely’ and complete the shipping details and click ‘confirm payment’


Next you will be have the option to select a finance option (V12  / Klarna pay in installments). Once selected, follow the on-screen instructions as you are redirected to the application. Please complete and sign the agreement. 

 0% finance electric bike

3. Instant decision & confirmation of details


Once your application is complete you will be given an instant decision on eligibility and redirected back to


Our team process all orders manually during business opening hours and will be in touch shortly after receiving your application to confirm all the details.

Electric Bike 0% finance

4. Delivery or Collection in-store


Whether you choose home delivery or in-store collection,  it's up to you. We are based at Junction 31 just 3 miles off the M6 (near Preston, North-West England).


Collection appointments are booked with a mechanic so you can have a thorough handover and setup. For deliveries we use a dedicated 2-man courier, deliveries are prescheduled for a suitable day and can be rearranged if needed directly with the courier.


Please Note: all deliveries must be made to the address on the finance application.

FAQs: Bike Finance

Finance & Pre Orders

I want to pre order a bike, can I still use finance?


Who are Klarna finance & how do I contact them?

What is the best way to shop with Klarna?

What happens if I make a return?

There is something wrong with my order. Do I still need to pay for it?

I have more Klarna questions, where can I visit to find out more?


Who are V12 retail finance?

How much deposit do I have to pay & when?

What happens if my application is approved?

What happens if my application is declined?

What happens if my application is referred?

Can I make additional payments or pay my finance off early?

How do I contact v12 finance?

Can I change my payment date & when is my first payment taken?

What if my item is not in stock? Will I still pay the finance?

Can I see some representative Examples?

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