Finance Options

Life on Wheels Cycles Limited offer 0% APR finance on all bikes from a value £1000 and above. This means you can apply for 0% APR finance from our partners V12 finance. You can split your payments over 6, 10 or 12 months to manage the cost of the bike you buy.

Our 0% Finance application process is easy, you can apply in store or over the phone:

1. Applying in store:

If you prefer to come and see us, we can complete the application with you in store. You will need to bring a current bank card and know your personal address and employment history and details (last 5 years).

2. Applying by phone:

If you would like a member of our trained staff to complete the application on your behalf simply contact us to arrange the call. A member of our staff can take you through an application in 10 minutes. You will need the bank card you wish to make payments from with you and know your personal address and employment history and details (last 5 years).

Here is an example of how our 0% finance works:

  • Cash price (inc. VAT): £1000.00
  • 10% Deposit (minimum required): £100.00 You can pay deposit more if you wish.
  • Outstanding balance: £900.00
  • Interest at 0% APR: £0.00
  • 12 Monthly Payments of: £75.00
Finance available for ebikes for business at Life on Wheels

Please note: Bikes that are offered during Sale periods or discounted for any other reason may be subject to an interest-bearing charge. All credit is subject to age and status.

To apply for credit with V12 Finance you must:

  • Be at least 18 years of age
  • Be either: in full time employment (i.e., 16 hours, or more, per week); or self-employed; or retired and over 50 years of age or in receipt of an invalidity or disability allowance.
  • Be a UK resident.
  • Be able to make repayments by direct debit, provide your previous address if you have lived at your current address for less than 3 years.

If you wish to apply by phone, please complete our quick online form and we will call you back.

Interest Free Credit / Finance Request Form



Complaints Procedure - Making a complaint

In the first instance email the business at with a written account of the complaint. A manager will be responsible for receiving this correspondence and directing it to the appropriate person. We shall advise potential complainants:

- How to submit a complaint
- Who the contact person is at our organisation
- How we will deal with the complaint
- How we will advise the outcome of the complaint

All complaints will be resolved within 14 working days.

If you compliant hasn't been resolved to your satisfaction, you are entitled to raise a compliant with the Financial Ombudsman Service, please follow the link: How to complain (

V12 Contact Information: TEL: 02920 468900 Email:
V12 correspondence and Trading address: V12 Retail Finance Limited
20 Neptune Court
Vanguard Way
CF24 5PJ
Registered Office:
V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH
Credit is provided by V12 Retail Finance Limited, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with registration number 204550. For more information please visit
Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA.

If you are intending to use finance as your payment option, please note we only offer collection from our showroom:

Life on Wheels - Hillcrest Garage
Halkyn Road

Interest Free Finance