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Midlands MTB Bike Shop Finance Options




Spread the cost with flexible finance. Midlands MTB are committed to excellent customer service and we understand that customer may need or prefer to pay with finance.

We have partnered with an established broker "Ideal For Finance" to enable our customers to spread the cost with monthly payments.

The following finance options are available, always subject to the lender’s assessment:

You can apply online and decisions are made quickly. The final decision is based on your individual circumstances, including your personal credit profile, how much you want to borrow and the loan period.

Here is a representative example of the repayments on a £5,999 purchase, with a £1000 deposit paid over 4 years at12.99% APR. Purchase amount £5,999; deposit amount £1000; total credit £4,999; interest rate 12.99% (fixed); loan duration 48 months; monthly repayment £132.32; total repayable £6,351.34; total cost £7,351.34. Please note: the representative example provides an indication only and the exact details will be provided at the application stage.

If you’re ready to apply, please click hereto begin the application process.

There are risks involved in taking out a loan and you should ensure you can make all payments on time and in full; failure to do so can lead to financial difficulties and have a negative impact on your credit score.



0% finance over 12 or 24 months.

Fixed rate finance at 12.99% APR over three or four years.

Fixed rate finance at 14.99% APR over 5 years

A deposit is required.

Please confirm this with us before beginning the application process.



Ideal4Finance help thousands of people secure finance for their purchases. They use only reputable lenders and are Trustpilot-rated ‘Excellent’.


You can apply online and decisions are made quickly. The final decision is based on your individual circumstances, including your personal credit profile, how much you want to borrow and the loan period.




Midlands MTB Limited is an introducer appointed representative of Ideal Sales Solutions Ltd T/A Ideal4Finance. Ideal Sales Solutions is a credit broker and not a lender (FRN 703401). Finance available subject to status. The rate offered is always provisional and will depend upon your personal circumstances, the loan amount and term.