General Finance Information

We offer both interest bearing and interest free finance options to our customers.

Our interest bearing finance option is available online, in-store or over the phone on purchases of £300 including VAT or more, whilst our interest free finance option has a minimum order value of £500 including VAT and is only available in-store or over the phone. It's quick, easy and in most cases you'll get an instant decision. Our online retail finance partner is Pay4Later and all credit is provided subject to status. Please note: our interest-free finance option is not currently available on-line.

Classic Credit Finance

Example Finance Option (Classic Credit)
Cash Price £660.00
Deposit £66.00 (10%)
Amount of credit £594.00
Payable by 12 monthly instalments of £54.45
Typical APR 19.5%

How to Apply For Classic Credit Finance
You can apply for credit in several different ways:
• Visit our website and select the items you wish to purchase. On the check out screen, select "finance" as your payment option.
• Visit us and apply in-store. One of our sales team will complete an application form with you and email you an agreement to sign.
• Call us, on one of the numbers below, and our sales team will complete an application form with you and email you an agreement to sign.
Motorsport - 0844 815 8610
Motorcycle - 0844 815 8620
Performance - 0844 815 8630
However you apply, it only takes a couple of minutes and you get an instant decision.

Interest Free Finance

We also offer an Interest Free option but this is ONLY available in-store or over the phone.

Example Finance Option (Interest Free) *
Cash Price £660.00
Deposit £198.00 (30%)
Amount of credit £462.00
Payable by 12 monthly instalments of £38.50
Typical APR 0%
* Interest Free Finance is also limited to certain products only. Please call us for more information.

How to Apply For Interest Free Finance
• Visit us and apply in-store. One of our sales team will complete an application form with you and email you an agreement to sign.
• Call us, on one of the numbers below, and our sales team will complete an application form with you and email you an agreement to sign.
Motorsport - 0844 815 8610
Motorcycle - 0844 815 8620
Performance - 0844 815 8630
However you apply, it only takes a couple of minutes and you get an instant decision.

Criteria
To apply for finance you must meet the following criteria:
• You must be over 18 years of age.
• You must be a UK resident with at least 3 years continual address history.
• You must be in full time employment, unless retired or a house person with a spouse in full time employment.
• You must have a UK bank account capable of accepting Direct Debits.
• The goods must be delivered to your home address.

Finance Benefits
Credit is available on all purchases over £300 including VAT.
Buy the items you want now + accessories, all for a low monthly payment.
Select 12, 24 or 36 month repayment periods.
Choose a higher-spec product for a few pounds more per month.
You can include clothing and accessories.
You can spread the cost of your purchase to minimise your monthly payments.
One-stop shopping: no need to go to a bank to secure funding.
Keep cash for day-to-day expenses.
Fixed repayments - your payments are fixed for the duration of the agreement allowing you to budget more effectively.

FAQ
How much can I borrow?
When checking out online, just fill out our easy online application form and you can be approved for up to £5,000 to use for the equipment you wish to purchase. Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £300 including VAT.

Is a deposit required?
Yes, on our classic credit option a 10% deposit is payable by credit or debit card upon acceptance.

How are my monthly payments paid?
All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What type of equipment can I purchase?
Almost everything apart from consumable items that potentially would require replacing before the finance period has been completed, e.g. brake pads, tyres, oils and the like. Special order items cannot be returned and please remember that the minimum order value is £300 including VAT.

What length of repayment is available?
You can choose a 12, 24 or 36 month loan repayment period.

Can I pay my agreement off early?
You have the right under section 94 of the Consumer Credit Act 1974 to repay early in full or in part at any point. If you wish to pay any amount early you must give notice to the credit provider, Moneyway Retail Finance, One Arleston Way, Solihull, B90 4LH or telephone them on 0845 111 7107. Unless you repay in full, any early repayment you make will not reduce the duration of the agreement but, if you give them notice of your intention to pay an amount early, they will recalculate the amount of the remaining monthly instalments.