Finance at 20Twenty Store

We want you to ride your dream bike almost as much as you do! We offer three options to finance your new bike or parts - V12 Retail Finance, Klarna and PayPal.

We've listed key information on each option below. If you have any more questions, you can call us on 01330 828 562 or use our contact form below.


Select Klarna when you check out, and you can choose between payment in 30 days for orders under £300, or larger purchases can be repaid in three instalments. So long as you pay on time, you won't be charged interest or fees.

This option is only available in GBP.

Learn More About Klarna

Mountain Biker at Glen Sherrup in Scotland

Nukeproof Bikes With Interest Free Credit

PayPal Pay In 3

Spread the cost of your purchase over three payments. To use this option, select PayPal as your payment method at the checkout.

For transactions not in GBP, PayPal will automatically convert the transaction amount to GBP at checkout before providing you with your PayPal Pay in 3 plan.

Currency conversion charges will apply as set out in your PayPal User Agreement.

Learn More About PayPal Pay In 3

V12 Retail Finance

We now offer V12 Finance in our store - online soon!

Split the cost of your new bike or kit into smaller monthly instalments, with no interest on purchases under 12 months. You can use this option to buy anything on our website, except gift cards.

Deviate Mountain Bikes With Interest Free Credit

V12 Retail Finance FAQ's

To apply for finance, you must:

  • Be over the age of 18
  • Have been a permanent UK resident for at least 3 years.
  • Be either in regular, permanent employment working a minimum of 16 hours per week (including students), retired from regular employment, not working through a disability, or self-employed.
  • Homemakers aren't excluded from applying under their own names; however, V12 Finance will require the employment details of your spouse in order to process your application.

Once your finance application has been accepted, you are required to read and sign your loan agreement documents electronically.

Once the documents are signed, we will prepare your order for delivery.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form, such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion, or disability.

In addition to credit scoring, V12 Finance also take into account
confirmation of your identity, validation of certain application
details, existing commitments and information held at the credit
reference agencies. Though V12 Finance are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

  • Your credit score (note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18

Some of the information is public information, for example electoral
roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request
is not recorded.

You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

● Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX

● Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US

● Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. V12 Finance acknowledge that your circumstances change and just because V12 Finance have refused a previous application, it does not
mean that V12 Finance will automatically turn down a further request.
V12 Finance do suggest, however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, V12 Finance regret that they're able only to deliver goods to the home address of the applicant.

We pride ourselves on excellent customer service. As riders ourselves, we strive to treat our customers how we would like to be treated.

However, if we've missed the mark, please let us know. Most issues can be resolved quickly and easily, either by using our Live Chat or by calling 01330 828562. You can also write to us at :

20Twenty Store Ltd, 11 Scott Skinner Square, Banchory, AB31 5SE

Store manager and business partner Lewis will do his best to resolve your complaint as quickly as possible. During opening hours, we normally reply to live chat within a few minutes and contact form submissions, emails or letters within a few business hours of receipt. We would expect most problems to be resolved within two business days.

If you prefer to use our contact form, please remember to include your contact details and order number.

The following is in addition to our standard 30 day returns policy.

Goods are provided by 20Twenty Store Ltd, 11 Scott Skinner Square, Banchory, AB31 5SE.

Once your cancellation or return has been processed by 20Twenty Store, V12 Retail Finance will promptly adjust your balance accordingly and provide any additional assistance you may require.

14-Day Returns – Consumer Contracts Regulations 2014

According to the Consumer Contracts Regulations of 2014, you have the right to cancel your order within 14 days of receiving it. To exercise this right, kindly inform us within 14 days of receiving your order, either through email, phone, or in writing, that you wish to cancel.

Please note that the item(s) must be returned in their original condition and packaging, unused, and you will be responsible for the cost of return shipping. Once we receive the returned item(s), we will issue a refund within 14 days of receiving the goods.

Exceptions to this policy include:

Custom wheels

Special Orders

30-Day Returns – Consumer Rights Act 2015

Under the Consumer Rights Act of 2015, you have the right to return an item if it is faulty, not as described, or does not perform as expected. If you believe that your item is faulty or not as described, please contact us promptly after receiving your order to report the issue.

We will make arrangements for the item to be collected from you or for you to return it to us. Upon inspection and verification of the issue, if we agree that the item is faulty or not as described, we will offer you the option of a replacement, repair, or refund. If you choose a refund, we will issue it within 14 days of agreeing to the refund.

Please be aware that this policy does not cover faults or damage caused by accidents, neglect, or misuse of the item. A deduction may be made if the value of the goods has been reduced as a result of you handling the goods more than necessary.

Vulnerable Persons Policy

At 20Twenty Store Ltd, we firmly believe in empowering our customers with comprehensive information regarding our products and various purchase options. Our commitment is to facilitate well-informed decisions. Whether you decide to make a purchase, utilize financing solutions, or engage in cycle-to-work agreements, it's imperative to understand and adhere to the associated terms and conditions, as these choices often involve long-term financial commitments. At 20Twenty Store Ltd, we consider it our utmost responsibility to ensure that our customers are fully aware of their obligations when they choose to buy from us.

Recognizing the diversity of personal circumstances, we are vigilant about identifying individuals who may be vulnerable and thus more susceptible to potential risks. It is crucial that we take into account the unique situations of these individuals in our interactions with them.

We acknowledge that customers can become vulnerable due to a wide range of reasons, including mental or physical health challenges, age, addiction, recent life changes, or unfamiliarity with financial commitments and products. Communication barriers may also come into play. Vulnerability can be either temporary or permanent.

Identifying a customer as potentially vulnerable does not preclude them from making purchases with 20Twenty Store Ltd. Recognizing that various factors contribute to the level of customer vulnerability, we adopt a personalized approach tailored to each unique circumstance.

Our primary goal is to ensure that every customer receives equitable treatment. We achieve this through effective communication, thorough questioning, extended discussion time, and suggestions for involving a trusted friend or family member in the conversation, particularly when a customer is considering a finance product.

In some cases, we may recommend that the customer take additional time to contemplate and fully comprehend the commitment they are about to enter into before proceeding with a lender referral or a credit agreement.

It is important to note that all financing options we offer to our customers are provided through approved partners who adhere to stringent policies in compliance with GDPR requirements. We have confidence in their review and approval processes, which align with our vulnerable persons policy. We maintain close collaboration with these partners to ensure that our customers receive the service and consideration they deserve.

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