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J’s Cycles

Spread the cost with flexible finance

At J’s Cycles, we are committed to delivering excellent service and we understand that many customers may prefer to pay with finance. So, we’ve partnered with established credit brokers, Ideal4Finance, to enable customers to spread the cost with monthly payments.

The following finance options are available, always subject to the lender’s assessment:

0% finance over 6, 12 or 24 months
Fixed rate finance at 9.99% APR over three or four years (36 or 48 months)
Fixed rate finance at 14.99% APR over five years (60 months)

A deposit may be required. Please confirm this with us before beginning the application process.

Ideal4Finance help thousands of people secure finance for their purchases. They use only reputable lenders and are Trustpilot-rated ‘Excellent’.

You can apply online and decisions are made quickly. The final decision is based on your individual circumstances, including your personal credit profile, how much you want to borrow and the loan period.

Here is a representative example of a £7,000 purchase, with a £2000 deposit paid over 4 years at 9.99% APR. Purchase amount £7,000; deposit amount £2,000; total credit £5,000; interest rate 9.99% (fixed); loan duration 48 months; monthly repayment £125.76; total repayable £6,036.41; total cost £8,036.41. Please note: the representative example provides an indication only and the exact details will be provided at the application stage.

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.

If you’re ready to apply, click here to begin the application process.

J’s Cycle Shack Ltd is an Introducer Appointed Representative of Ideal Sales Solutions Ltd, t/a Ideal4Finance. Ideal Sales Solutions Ltd is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and the term.

Finance example

Product value is £3000.00