⚡ Clearpay · Cycle to Work

Spread the cost, interest-free.

Get the bike you want today and pay for it over time with Klarna or Clearpay — always 0% interest. Choose your plan at checkout in seconds.

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How it works

Spread the cost in three easy steps.

Choose your bike, choose your plan at checkout, and ride away. No paperwork, no fuss.

Shop as normal

Add your bike, accessories or kit to the basket and head to our secure checkout.

Choose Clearpay or PayPal

Pick your payment provider at checkout and complete a quick, soft check — it won't affect your credit score.

Ride now, pay later

Your order ships straight away. Your instalments are taken automatically on the agreed dates.

Our finance partners

Clearpay & PayPal — interest-free.

Both let you split the cost of your order at 0% interest. Pick whichever suits you at checkout.

Clearpay

Pay in 4 with Clearpay

Split your purchase into 4 equal, interest-free instalments paid every two weeks — the first at checkout.

0% interest — always
4 payments, every 2 weeks
Instant decision, no impact on credit score to apply
Manage everything in the Clearpay app

Example: A £300 bike = 4 payments of £75 — £75 at checkout, then £75 every fortnight. Total £300, no interest.

PayPal

Pay in 3 with PayPal

Split your purchase into 3 equal, interest-free monthly payments — the first today, then one a month for the next two months.

0% interest — always
3 payments, one month apart
Pay with your existing PayPal account
Manage payments in the PayPal app

Example: A £300 bike = 3 payments of £100 — £100 today, then £100 in month 2 and month 3. Total £300, no interest.

At a glance.

	Clearpay — Pay in 4	PayPal — Pay in 3
Interest	0%	0%
Number of payments	4	3
Payment schedule	Every 2 weeks	Monthly
First payment	At checkout	At checkout
Credit check	Soft (no score impact to apply)	Soft (no score impact to apply)
Decision	Instant	Instant
Manage payments	Clearpay app	PayPal app

Even bigger savings

Don't forget Cycle to Work.

If your employer offers the Cycle to Work scheme, you could save up to 42% on a new bike through salary sacrifice — on top of being able to spread the cost.

Learn about Cycle to Work

Finance FAQs.

Is it really 0% interest?

Yes. Both Clearpay Pay in 4 and PayPal Pay in 3 are completely interest-free. You pay back exactly the price of your order, split into instalments — never a penny more, as long as you pay on time.

Will applying affect my credit score?

Applying uses a soft credit check, which doesn't affect your credit score. However, missing payments can affect your ability to use these services in future and may be reported, so only spend what you can comfortably repay.

How do I choose finance?

Add your items to the basket and head to checkout. Clearpay and PayPal appear as payment options — select one, follow the quick on-screen steps, and you'll get an instant decision.

Is there a minimum or maximum spend?

Clearpay and PayPal set their own minimum and maximum order values, and approval is at their discretion based on a quick eligibility check. Most bike orders fall comfortably within their limits — the options will show at checkout if your basket qualifies.

When are payments taken?

The first payment is taken at checkout. Clearpay then takes three further payments every two weeks; PayPal takes two further monthly payments. Payments are automatic from your chosen card — you can view and manage them in the Clearpay or PayPal app.

Can I use finance and Cycle to Work together?

Cycle to Work is a separate employer scheme paid via salary sacrifice, so it isn’t combined with Clearpay or PayPal at our checkout. If your employer offers it, it's usually the biggest saving — see our Cycle to Work page.

Ready to ride sooner?

Find your perfect bike and spread the cost at checkout — no interest, no fuss.

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Finance provided by Klarna and Clearpay, subject to status and their terms. 18+, UK residents only. Missing payments may affect your ability to use these services and could be reported to credit reference agencies. Klarna Pay in 3 and Clearpay are not regulated by the FCA. Please borrow responsibly. Cycle to Work savings depend on your tax band and employer's scheme.