Here’s information on Rutland Cycling’s finance options, formatted in HTML:
Rutland Cycling Finance Options
Rutland Cycling offers several finance options to make purchasing your dream bike and cycling gear more affordable. Understanding these options can help you spread the cost and get on the road (or trail) sooner.
Cycle to Work Scheme
Rutland Cycling participates in the Cycle to Work scheme, a government initiative that allows employees to obtain a bike and accessories tax-free through their employer. This is often the most cost-effective way to buy a bike. The scheme works by your employer purchasing the bike and then leasing it to you. You repay them through salary sacrifice, meaning a portion of your gross salary is deducted, saving you income tax and National Insurance contributions. Rutland Cycling accepts vouchers from all major Cycle to Work scheme providers, including:
- Cyclescheme
- Halfords Cycle2Work
- Bike2Work Scheme
- Vivup
- Green Commute Initiative
The exact savings depend on your individual tax bracket and employer’s scheme. Contact your HR department to find out if your employer participates and understand the specific details.
Finance Options Through V12 Retail Finance
Rutland Cycling partners with V12 Retail Finance to offer flexible finance options for larger purchases. These options allow you to spread the cost of your bike, components, or clothing over a period of months, making high-end equipment more accessible. Typical options include:
- 0% APR Finance: Available on select products and for certain periods. This allows you to pay off your purchase in installments without incurring any interest charges. Subject to meeting the application criteria.
- Classic Credit: This provides a longer repayment period with an APR (Annual Percentage Rate) applied. This option can be useful for larger purchases where lower monthly payments are desired.
To apply for V12 Retail Finance, you’ll typically need to be a UK resident, over 18 years old, and have a good credit history. The application process is usually quick and can be completed online or in-store. Acceptance is subject to credit checks and V12 Retail Finance’s terms and conditions.
Important Considerations
Before choosing a finance option, it’s crucial to carefully consider your budget and ability to repay the installments. Late payments can negatively affect your credit score and may incur additional charges. Read the terms and conditions of any finance agreement thoroughly before committing. Consider factors like the APR, repayment period, and any associated fees.
Rutland Cycling’s staff can provide guidance on the available finance options and help you determine the best solution for your individual needs. Contact them in-store or online for personalized advice.
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