Stif Finance

1. Our finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

2. In order to apply for credit you must:

• be at least 18 and under 75 years of age
• be either employed more than 16 hours per week, self-employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance
• have been a UK resident for 12 months or more
• be able to make repayments by direct debit
• provide your previous address if you have lived at your current address for less than 3 years

3. Credit subject to status

4. Written quotations on request

Interest Free Finance Example

To use our calculator:
1. Insert a value for the amount of credit you wish to take out.
2. Click the 'Recalculate Finance' button.

This is just an example - you will be presented with an accurate monthly payment figure if you decide to use our Interest Free Finance when you process your final order.

Finance Amount: £
6 Months Just £141.66 Per Month 15% Deposit £150.00 Charge for Credit £-0.04 Total Paid £999.96 APR 0%	9 Months Just £94.44 Per Month 15% Deposit £150.00 Charge for Credit £-0.04 Total Paid £999.96 APR 0%	12 Months Just £70.83 Per Month 15% Deposit £150.00 Charge for Credit £-0.04 Total Paid £999.96 APR 0%	18 Months Just £47.22 Per Month 15% Deposit £150.00 Charge for Credit £-0.04 Total Paid £999.96 APR 0%	24 Months Just £35.41 Per Month 15% Deposit £150.00 Charge for Credit £-0.16 Total Paid £999.84 APR 0%	30 Months Just £28.33 Per Month 15% Deposit £150.00 Charge for Credit £-0.10 Total Paid £999.90 APR 0%	36 Months Just £23.61 Per Month 15% Deposit £150.00 Charge for Credit £-0.04 Total Paid £999.96 APR 0%

If you would like to pay by finance, add products to your basket then click on the "Pay with Stif Finance" button. Full details of application process will be given at this stage. If you would like to pay more than 15% deposit to make your monthly payments less, this may be possible - please call the store on 01423 780 738 to check.

Application Details

How do I apply for finance?

Just click the green checkout button above and choose Pay By Stif Finance on the payment option page. (finance only available to residents of the United Kingdom.

If you are having any problems please call the shop on 01423 780 738 and we'll be pleased to help.

What if my application is accepted but I change my mind?

Stif holds, at its discretion, the right to either: retain finance deposit or; place an appropriate and proportionate charge on an accepted finance that is subsequently cancelled in order to cover administration costs, unless cancellation is due to

a) Stif's inability to provide ordered goods due to availability issues, and where an appropriate alternative cannot be found

b) alternative payment has been arranged by customer

If you wish to apply for credit please be aware of the following:

1. Our finance company will use a credit reference agency to check your credit rating in order to assess your application. The credit reference agency will keep a record of any search made.

2. In order to apply for credit you must:

• be at least 18 and under 75 years of age
• be either employed more than 16 hours per week, self-employed, retired and over the age of 50 or living with a working partner, or in receipt of an invalidity or disability allowance
• have been a UK resident for 12 months or more
• be able to make repayments by direct debit
• provide your previous address if you have lived at your current address for less than 3 years

3. Credit subject to status

4. Written quotations on request

Finance provided by:

Finance arranged by:
Stif Cycles - The Beech - New York Mills - Summerbridge - Nr Harrogate - HG3 4LA