Ride now, pay later.

How to spread the cost of your bike with 0% interest.

Credit Options from 6 to 48 Months

We offer 0% APR on all orders over £400

Now it’s easier than ever to own a Mango Bike. We’ve teamed up with V12 Retail Finance to help you spread the cost of your entire order, with a number of different finance options available.  For all orders over £350, we offer repayment options over 18 to 48 months. Orders over £400 also have 6 and 12 months interest-free finance available.

It’s not just bikes! Our parts and accessories are all included. Add everything you’d like to the basket, and then check the finance calculator on the basket page to see your various options. When you’re at the checkout, simply select “Apply for finance” as the payment option, then hit the “Place Order” button and you’ll be sent straight to the finance application. This only takes a couple of minutes to complete, and for the majority of people you’ll see the application result instantly.

Only available to UK residents over 18, subject to status. Terms and conditions apply.

Payment Example

Monthly payments

12 months

0% APR
Interest rate


Cost of credit

Total payable

Watch how easy it is!

Finance information

Am I eligible for finance?

V12 will only consider your application if:

  • You are 18 or over
  • You, or your partner, are in permanent paid employment, self-employment, retired and receiving a pension, working student in part-time work or in receipt of a disability benefit
  • Been a resident in the UK for at least 3 years
  • You have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable)
  • You have a Bank or Building Society current account available (you’ll need this to complete the direct debit instruction)

How long does it take to apply online?

Our online application form typically takes less than 3 minutes to complete. Your application is then instantly sent to the finance company and they will typically respond with their decision in around 10 seconds. Some applications may take longer to process. If for any reason we can’t give you an instant decision you will be notified on screen as part of the application process and also by e-mail, with a follow up e-mail as soon as a decision is confirmed.

Can I cancel my credit agreement if I change my mind?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day you receive your delivery).

Will the finance company perform a credit check?

Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

Do I need a bank account?

Yes. You must have a UK bank account capable of accepting Direct Debits.

Do I need to pay a deposit?

Up to you.  As part of the application, you decide if you’d like to pay a deposit or not.  This is paid using a credit or debit card during the application. The amount of the deposit is shown in the credit summary and on the credit agreement itself.

How do I repay the loan?

Your monthly repayments are collected by Direct Debit.
You have the right to repay all or part of the credit early at any time – you should contact V12 Retail Finance for details by phone, e-mail or letter at the following;
V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ
Telephone: 02920 468912
Email: customerservices@v12finance.com

How much does the loan cost?

The total cost of the loan is shown clearly on the finance agreement.

Are there any other charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in your copy of the credit agreement which is available to you as part of the application process and also supplied to you as part of the welcome pack you will receive following acceptance of finance.

How long before I have to start to repay the loan?

The finance company will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.


Consumer Credit Service is provided by Secure Trust Bank PLC t/a V12 Retail Finance.  Secure Trust Bank is licensed by the Financial Conduct Authority (Consumer Credit Licence: 679653).

V12 Retail Finance is a trading name of Secure Trust Bank PLC.

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