Finance Options

Panagua Bikes is now offering finance options with facilities provided by V12 Finance. These enable you to apply for Interest Free Finance and get a decision in minutes. Call us on 0208 289 7802 or ask in store for more details.



Our Credit Schemes

1. Interest Free Finance

Our Interest Free Finance offers you a simple and cost-efficient way to spread the cost on your new bike, frame or accessory purchase. After you've made a 10% deposit, you can start enjoying your new bike now with the remaining cost then spread over eighteen equal monthly payments interest free at 0% APR. This offer is available on all bikes at retail value plus any accessories you buy with the bike, subject to a minimum order value of £400.


Bike cost - £800 - 10% deposit = Loan Amount of £720 - over 12 months = £40/mth

Bike cost - £1,980 - 10% deposit = Loan Amount of £1,782 - over 12 months = £99/mth

Please note: Bikes bought on Interest Free Finance orders can be delivered only to the Finance Applicant's home address.


2. Classic 36 Months Credit

For those wanting a longer period to pay back their loan, we also offer a classic credit agreement, available on all products, but with a minimum order value of £1,500.

Following a 10% deposit, the customer makes 36 monthly payments subject to 9.9% APR.


Eligibility For Credit

In order to apply for credit with V12 Finance, you must:

So You've Decided You're Interested. What Next?

In order to place an order on Finance you need to come into the store or call 0208 289 7802 with the name (and ideally the product code) of the item(s) you wish to purchase. Please inform our advisor that you are interested in Finance at the start of your call as we need to put it through a different system and this will save you time on the phone.

Further Information

V12 Retail Finance is owned by Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.