0% Finance

Spreading the cost of your purchase across monthly payments is easy - we offer Novuna 0% Finance and Splitit. 


6 or 10 months 0% Finance is available on all bikes and framesets, excluding pre-order bikes, framesets and selected sale items. 

You can complete your online transaction in these four easy steps:

• Add items to your basket. All items available with interest free options will display messaging containing further information on all available options.
• Checkout using Novuna as your payment method. Choose from the range of finance options available to you. You will be given a breakdown of your monthly payment, deposit due and the overall cost of your purchase.
• Complete your online finance application. A quick and easy process that takes just minutes to complete
• Receive your instant decision. As soon as your application is approved we'll process your order.

Note - purchases are not allocated until a finance application has been completed and approved in full. Once complete your order will be fulfilled and dispatched. 

Please note that finance is not available on sale/clearance models. 



Use your existing credit card to split your purchase into smaller payment amounts - no new loans, no applications, no additional interest or fees.

• At the time of purchase a temporary hold will be placed on your card for the full outstanding balance.
• Payments will be made automatically according to your agreed installment schedule. You must maintain sufficient available funds on your card until the plan is completed.
• We will not charge you interest or fees. Your standard credit card terms and conditions apply.

For full information, please visit Splitit.

 Novuna Terms and Conditions

Consumer finance on Saracen.co.uk is provided by Novuna Finance, a credit broker, not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC.

0% finance is only available on non-discounted bikes with a value of £499.99 and over. Providing a qualifying bike is included in your order, finance can be taken out against all products in your basket.

In order to safeguard against fraudulent applications, we can only deliver goods to the home address of the applicant.

All offers of finance are subject to acceptance by Novuna Finance. Saracen accepts no liability in relation to the credit analysis and resulting contractual obligations.

Please direct all enquiries in writing to Novuna Finance

We advise all applicants to keep a copy of the Terms and Conditions, invoice and any other documents relating to the financing application for your records.

Saracen reserves the right to change these Terms and Conditions at any time.

For more information, please visit Novuna Finance

Saracen is registered in England & Wales 00706712.

Registered Office: Buckingham House, West Street, Newbury, Berkshire, RG14 1BD. Saracen acts as a credit broker and only offers credit products from Novuna Finance, a credit broker, not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC.  Credit provided subject to age and status.