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Finance Information

To help you ride away on your dream bike we have teamed up with Deko to offer a simple, straight-forward finance package to allow you to spread the cost. At Westbrook Cycles, we only offer bike finance with 0% APR - that's right, all of our bikes are completely interest free!

Our mountain bike finance deals could have you slaying the trails in no time and our road bike finance deals are just as good because you always pay zero interest and can spread the cost over 12 or 24 months.

Below, there is a list of frequently asked questions and if you have any further queries you can contact us here or call us on 01642 710232.

How To Apply

 Applying for finance is as easy as making a normal purchase. 

Fill your basket with everything you want from our site and go to the checkout.

During checkout, select the finance option you want as your method of payment.

You will be directed to our credit intermediary’s secure server to complete your application.

Credit intermediary Deko will send the information provided to its panel of lenders, who will use this information to make a decision and complete checkout if you are approved.

Finance is only available for orders with a total loan value of over £350.


You Will Only Be Considered For Finance If You:

Are at least 18 years old

You're in paid employment or have a regular income (minimum 16 hours per week or £5,000 per annum, unless you are retired and receiving a private / company pension or in receipt of disability allowance)

Are a permanent UK resident and have lived in the UK for at least 3 years.

Have a UK bank account capable of accepting Direct Debits

Have a good credit history with no late payments, debt relief orders, County Court Judgment (CCJs), Individual Voluntary Arrangement (IVAs) or bankruptcies.

Provide an email address so your documentation can be emailed to you.

Can My Order Be Sent To A Different Address? 

Finance orders can only be shipped to the address given in your finance application.

Our Payment Plan Options:

We offer finance options to help you spread the cost of your purchase over 12 or 24 months. The value of the loan needs to be over £350 and you can choose a deposit of up to 50% of the value of the goods.

Representative example:

0% APR finance over 12 months

  • Total order value = £600
  • 10% deposit = £60
  • Total amount of credit = £540
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £45
  • Total amount payable = £600


Finance Decision:

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few seconds. It’s important to know that when applying for finance a full credit check is made which is recorded on your credit file.

Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay your deposit and wait for your order to arrive.

In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons and the lender will be able to give you more information.


Repaying The Loan:

Your first direct debit payment will be taken about a month after you receive your purchase. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.



There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you wish to do this please contact us (Westbrook Cycles) directly. We can cancel the application on your behalf. There is no need to contact Deko or your lender.

A payment plan does not affect our standard refund and returns policy. Just contact us and we’ll cancel your application and the lender will refund your deposit and let you know of any outstanding balance if applicable.

For any other questions contact us on 01642 712352 or through our contact page.


Legal Information:

Westbrook Cycles Limited is authorised and regulated by the Financial Conduct Authority, register number 657570.

Westbrook Cycles Limited is a credit broker and not a lender. Finance is provided through the Deko platform by Omni Capital Retail Finance Limited. Omni Capital Retail Finance Limited is authorised and regulated by the Financial Conduct Authority (register number 720279).

Deko is a trading name of Pay4Later Ltd which is a credit broker and not a lender. Pay4Later Ltd registered in England and Wales (company number 06447333) and is authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to or visit