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Finance Options

Finance at Dirt works

A range of payment options

Here at Dirt Works we believe the bike you ride should be the perfect bike for you and your riding style. The dream bike is the one that makes you want to ride it time and time again, every time you look at it you just want to go and hit the trails. 

We’ll do everything we can to make sure your new bike brings you the best times over and over again, and it’s for this reason we’ve partnered with V12 Retail Finance to get you out on the trails as soon as possible.

V12 Retail Finance offers a range of payment options allowing you to manage your repayments over twelve to sixty months. If you have any questions about V12 Retail Finance, our shop staff will be happy to answer them, simply give us a call on 01684 212 278.

Use our handy finance calculator below to plan your purchase, by setting monthly repayments and a timeframe and seeing how much you will have to spend in total.

Finance calculator (COMing soon)

Here you can see example finance on a sale with a cash price of £8,000

Representative example: Cash Price £8,000.00, Deposit £3,000.00, Loan amount £5,000.00, 14.0% APR representative, Interest rate 14.9% fixed, 48 monthly repayments of £136.56, Total term of loan agreement 48 months, Total charge for credit £1,544.77, Total Amount payable £9554.77.

Total Amount Payable Includes Deposit Amount. The figures shown are an illustration based on the cost of goods. Final details including shipping and discounts where applicable will be displayed on the checkout page. Credit subject to status and affordability. Terms & Conditions Apply. 

Dirt Works Bikes ltd trading as Dirt Works is a credit broker and is Authorised and Regulated by the Financial Conduct Authority. Credit is provided by V12 Retail Finance, V12 Retail Finance is a limited company . Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. The register can be accessed through www.fca.org.uk

This calculator is to help you plan your finances and does not constitute a final agreement. Please ensure you have read the final terms at the checkout before agreeing to one of our finance plans.

V12 Retail Finance

A range of easy payment options

We have partnered with V12 Retail Finance to bring you a range of easy payment options if you prefer to spread the cost of your purchase.

We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by V12 Retail Finance, you will be asked to eSign the credit agreement and once in receipt of your purchase, V12 Retail Finance will make your agreement live. Your monthly repayments will commence for the agreed term one month from the date on which we dispatch your goods. 

In short, retail finance gives you the flexibility to buy what you really want now, by spreading the cost of your purchase over a repayment period that suits your budget.

Please note, you can only arrange the delivery of your order pending the approval of your finance application. Your delivery must be made to the address on the finance application which must be the billing address on the order.

Spend a minimum of £250 & place at least a 10% deposit. A minimum loan amount of £250 must remain after the deposit.  Whether you are accepted for finance depends on several elements.

We look at different pieces of information to help us make a decision. Some of this information is from your credit report. There are certain conditions that must be met before you apply for a loan with V12 Retail Finance.

You must:

  • Be 18 years or over at the date of the application.
  • Be no older than 75 years at the end of the loan term.
  • Be a UK resident.
  • Have 3 years of UK address history.
  • Have an annual income of at least £10,000.
  • Have a valid personal phone number and e-mail address.
  • Have a good credit history with no late payments, county court judgements (CCJs), debt relief orders, individual voluntary arrangement (IVA) or bankruptcies.

Useful Information

What is a credit check?

A credit search, otherwise known as a credit check, is when a company reviews your credit report.  This is to see how well you’ve managed money or credit in the past. A credit check shows details about your finances, such as your existing debts and credit available to you. It can also show any financial links you have with other people. A credit check will also show court records.  This can include bankruptcies, payment defaults, County Court Judgements (CCJs) and Individual Voluntary Arrangements (IVAs). • Lenders use credit checks to help them decide whether to accept you for their credit products. For information on Credit Reports, see the following links:

MoneyHelper – How to Check your Credit Report

Transunion – What is a Credit Report

My application was declined – what do I do?

We are sorry that we have not been able to provide you with finance at this time. There are several reasons why this could be, and we are not able to share specific information about this. V12 Retail Finance uses Transunion to assess credit applications. If you would like some further information about why this may have happened, we would suggest you speak to Transunion. For more information, please see:

Transunion – Turned down for Credit

MoneyHelper Guide

I’ve been told you need to make more checks – what do I do?

We need some more information from you. We describe this as your application being ‘referred’. This means that an underwriter needs to make some additional checks on your application. If we do need more information, we will get in touch, and let you know what information we need.

The Lender

Dirt Works Bike Bikes acts as a credit broker and only offers credit products from V12 Retail Finance. V12 Retail Finance is regulated by the Financial Conduct Authority. Financial Services . Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: Yorke House, Arleston Way, Solihull, B90 4LH Correspondence address: 25-26 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. The register can be accessed through http://www.fca.org.uk

Dirt Works Bikes acts as a credit broker and will introduce you to V12 Retail Finance to complete your application for finance. Dirt Works is a trading name of Dirt Works Bikes Ltd, which is registered in England and Wales, Company number 11207954. Registered office: The Mill House, Court Farm, Church Lane, Norton, Worcester, WR5 2PS. Dirt Works is authorised and regulated by the Financial Conduct Authority. FCA Reg No: 946252.