Cyclewise - whatever your journey - we’re here to help you enjoy the ride.

We’re here to support you on every pedal of your cycling journey, whether it’s a balance bike for a toddler, a mountain bike for the trails or a slick steed for the roads. Cyclewise does not just sell bikes and kit. We love showing you how to improve your biking skills, so that every time you get on it, you’re guaranteed a great time.

Cyclewise is a rider-owned business based in Cumbria, owners Rich Martin and Craig Scott are passionate and highly qualified British Cycling mountain bike coaches. Cyclewise offers a great range of courses, along with two cycle retail stores, mountain bike hire, workshop repairs service and much more. Whether you’re a roady upgrading your bike, a track racer looking for a bespoke build or a junior rider looking for your first bits of kit, we aim to provide outstanding service. Our passionate staff can talk you through the range and hone in on a bike to suit all your needs - making sure you get the perfect match.


Whinlatter ForestBraithwaite Keswick CA12 5TW

Cyclewise finance

Interest Free Finance

Bike Finance - Spread the cost without paying anything extra!

Spread the cost of your new bike with our 0% APR interest free finance option with no deposit required. You don't pay any interest at all for the entire duration of the loan period. You're getting the best deal with our interest-free finance by V12 Finance. 

Spend £250 or more on any full priced items with Cyclewise and you can spread the cost with finance. It only takes minutes and you don't have to put down a deposit. Use our handy V12 finance calculator to see which finance plan best suits your budget. You can add essential gear items to your basket, which will qualify for finance, however these must be purchased at the same time as the bike to obtain finance. Gear items alone do not currently qualify for finance.

0% APR finance with no deposit required.

V12 Finance offers the widest range of bike finance on the market with options to suit all budgets. Spend over £250 and you can choose an interest-free finance option. With V12 you can choose any deposit amount that suits you, or none at all. Interest-free finance loan terms range from 6-24 months, with no minimum deposit requirements.

  • Spread the cost through monthly instalments.
  • Finance is interest free.
  • Terms range from 6 months to 24 months.
  • You can apply either in store or at home via our website.
  • The process is quick and straightforward and with V12 you can have a decision in seconds.
  • V12 arrange and administer retail finance loans on behalf of Secure Trust Bank PLC, who is the lender.

Your new dream bike, kit and clothing are just a few simple clicks away.

How does financing work?

Finance is available on selected products ordered through our website, provided by V12 Retail Finance. The finance offers available are product specific and are displayed on eligible products. Finance is not available on ‘sale’ items or in conjunction with other offers.

When you proceed with your order simply choose V12 Retail Finance during checkout and you will be redirected to the V12 Retail Finance website to complete your application. If you have any questions or problems with your application you can contact V12 Retail Finance on 029 2046 8900 or visit

If your application is successful, following your approval of deposit payment, your order will be confirmed to Cyclewise - we will contact you by email to confirm your order is proceeding. If your application is unsuccessful V12 Retail Finance will inform you and your order will be automatically cancelled.