How To Finance A Mountain Bike In The UK

Purchasing a mountain bike can be a significant investment, but with the right financing options, it can become more manageable. Here’s a comprehensive guide to help you finance your dream mountain bike in the UK.

Mountain bikes, especially high-quality ones, can be quite expensive. Financing spreads the cost over a period, making it easier to afford without a large initial outlay - so you can purchase a mountain bike which suits your exact needs, without having to save up the full amount prior.

For many, purchasing a more expensive mountain bike through finance makes perfect sense - allowing riders to buy the right bike at the right time, allowing them to use the bike for longer periods of time, without the need for expensive upgrades or purchasing a replacement bike as skills grow.

In this post, we look at some of the best ways to finance a mountain bike, here in the UK.

Personal Loans

A personal loan from a bank or credit union is a great option. This allows you to purchase the bike outright and pay back the loan in installments. These installments can be tailored over a term to suit you, and you also have options to pay off the loan early or make regular overpayments to pay the loan off sooner.

Credit Cards

If you have a credit card with a sufficient limit, you can use it to purchase the bike. Some credit cards offer introductory 0% interest on purchases for a set period meaning you can purchase a bike without accruing any interest on your purchase at all.

Cycle to Work Scheme

The Cycle to Work scheme is a government initiative that allows employees to purchase a bike tax-free through their employer. The cycle to work scheme is now more generous than ever, and encompasses all mountain bikes that we supply on our site.