Replacement bike 0% finance

matt_133

Hi all, long time lurker, first time poster.

I recently had my bike stolen (2008 Specialized Allez with a lot of upgrades) and due to a discrepancy with the insurance company (The address on the policy was not the same as my current address - my fault for not changing it when I moved house!) I've been left bikeless with no money to replace it.

Having recently bought a new car my finances are seriously depleted and I would rather finance than spend the remainder of my savings.

I'm looking for a new bike then, available on 0% finance over 18 months or more up to £1500. It'll be used for 'everything' - commuting and leisure rides, as well as the occasional sportive and anything else that comes up.

I was looking at a Kuota Kharma or an Orbea Onix. Does anyone have any other recommendations, including sellers who do 0% finance?

spezial

I got a Kharma (2009 model) on 0% finance from JE James in Rotherham. I live down south so didn't get to go in and try it beforehand, which I suppose is a bit of a risk. It's been a great bike so far, but it's my first "proper" carbon bike so nothing to compare it to. JE James have been OK so far too, pretty simple and quick ordering process, and they were reasonable on after sales stuff, if a little slack on communication and slightly slow sorting out a few things.
Like with all 0% deals, they wanted a 10% payment with the rest on 0%, so you'll have to pay something up front to get your new steed!

matt_133

Spezial wrote:

I got a Kharma (2009 model) on 0% finance from JE James in Rotherham. I live down south so didn't get to go in and try it beforehand, which I suppose is a bit of a risk. It's been a great bike so far, but it's my first "proper" carbon bike so nothing to compare it to. JE James have been OK so far too, pretty simple and quick ordering process, and they were reasonable on after sales stuff, if a little slack on communication and slightly slow sorting out a few things.
Like with all 0% deals, they wanted a 10% payment with the rest on 0%, so you'll have to pay something up front to get your new steed!

Cheers for the reply!

I was looking at JE James, I've bought a couple of bits from them in the past but never more than £30 or so. I've no problem with a 10 or 20% deposit, if you don't mind me asking how many months is that over?

spezial

As it was 0%, I went for the 36 months option, so I could fully justify getting a bike that's way beyond my means with lower repayments. Of course, this has long since been ruined with new wheels, saddle, tyres, computer, etc etc etc etc

Tom_0787

Hi, Primera are doing 0%, i bought my allez a couple of months ago from them.

mike ives

I think I have seen Wheelbase advertising zero % finance, though I am not totally sure.

blackpoolkev

For 0% purchases, follow the advice of martin lewis at "money saving expert".Apply for a credit card offering 0% for 12 months on purchases.Then you can spend your hard- earned anywhere you like.

spezial

blackpoolkev wrote:

For 0% purchases, follow the advice of martin lewis at "money saving expert".Apply for a credit card offering 0% for 12 months on purchases.Then you can spend your hard- earned anywhere you like.

Pretty hefty repayments doing a good bike on 12 months credit though, 24 or 36 months means you can be really extravagant! :twisted:

zippypablo

blackpoolkev wrote:

For 0% purchases, follow the advice of martin lewis at "money saving expert".Apply for a credit card offering 0% for 12 months on purchases.Then you can spend your hard- earned anywhere you like.

That's what I'm doing to get a new mountain bike in the sales. Tesco do a card like this.