0% Finance on Bikes at Cookson Cycles

Ride now, pay later—interest-free. At Cookson Cycles, we make it easy to own the bike you’ve been dreaming of. With 0% finance options available through Klarna and Novuna, you can spread the cost of your new bike without paying a penny more.

Whether you're after a cutting-edge Amflow, high-performance Trek, innovative Haibike, or versatile Scott, our flexible finance plans help you get out riding sooner.

Why Choose 0% Finance?

• Split payments over 6, 12, 24 or 36 months
• Pay no interest – ever
• Choose from leading brands and models
• Apply online or in-store with quick approval
• Ride home the same day, in many cases

Our Trusted Finance Partners

Klarna

• Smooth, instant credit decisions
• Pay in 3, or spread over 12, 24 or 36 months
• No interest on eligible purchases

Novuna Consumer Finance

• Flexible finance up to 36 months
• 0% APR on a wide range of bikes
• Quick application process with no hidden fees

Brands Available on 0% Finance

• Amflow – Lightweight, carbon e-MTBs with DJI Avinox motor systems
• Trek – Industry-leading design with Bosch and TQ motors
• Haibike – Powerful, durable and low-maintenance e-bikes with Pinion gearbox options
• Scott – High-performance trail and XC bikes with integrated electronics

How to Apply for 0% Bike Finance

1. Choose your bike – In-store or online
2. Select finance at checkout or speak to our team
3. Apply through Klarna or Novuna – It only takes a few minutes
4. Get instant approval and ride away

Need help? Contact our expert team and we’ll walk you through your options.

Frequently Asked Questions

Q: Who is eligible for 0% finance?
A: UK residents aged 18+ with a valid debit/credit card and good credit history.

Q: Is there a minimum spend?
A: No! You can take finance for smaller purchases using Klarna pay in 30 days, or pay in 3. Terms may vary by provider.

Q: Can I pay off early?
A: Yes, both Klarna and Novuna allow early repayment without penalty.

Ready to Ride?

Apply Now on checkout or visit us in-store to find your perfect bike and payment plan. With 0% finance, top-tier brands, and expert customer care, Cookson Cycles makes it easier than ever to ride the bike you want—today.