Welcome to our 0% Finance Calculator. Use the widget below to see how you can spread the cost using 0% finance. Enter the cost of the Cotic frame or bike you'd like to buy (minimum 499), and you'll be shown the deposit and illustrations of what your monthly payments would be for the terms available to you.

<-- enter amount to see example illustrations

tick to see deposit required, and repayment examples

finance only available on UK orders of £499 or over

the above deposit is payable when placing your order, via credit/debit card
further payments depend on the length of the term...
minimum loan amount is £250...
example figures shown below...
we'll arrange V12 credit over the phone after receiving your deposit online via card...

6 Months 12 Months 18 Months 24 Months
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Cotic Finance

Finance is available over 6, 12, 18 or 24 months (depending on total spend - exclusions may apply during sales or on special deals) and is subject to status. Applicants are required to be at least 18 years old, employed and UK resident for the last 3 years to be eligible.

Deposits must be paid by card. All further payments will be by direct debit.

We reserve the right to withdraw finance on certain products. 0% Finance is not available on offers or discounted products unless otherwise stated. Details are available upon request.

Our finance company (V12 Retail Finance) will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.


To purchase, simply place an online order as you would normally and tick "APPLY FOR 0% FINANCE" at the bottom of the order form. Your deposit and example further payments will be shown. Click the green "ORDER AND PAY DEPOSIT" button and pay your deposit via card.

At this point, stock will be allocated.

Once your deposit payment has been received, we will contact you to complete your finance application. Please have your Cotic order reference/number, bank account and employment details with you.

Orders paid with finance can only be shipped to the address used in the finance application.

Finance Levels

exclusions may apply during sales or on outlet items


Finance arranged by:
Cotic Ltd, 10 Everard Avenue, Bradway, Sheffield, S17 4LZ

Finance provided by:
V12 Retail Finance

V12 are well known and used throughout the bike industry.

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