Start Fitness



Why wait when saving up for your perfect bike. Here at Start Fitness we offer 0% Interest Free Finance on new models to spread the cost over, 6, 12, 18, 24 and 36 months (price dependent), which means that dream bike can now be yours with just a 10% deposit.

We offer our customers the ability to apply for simple finance facilities to fund a purchase from us. Once you are accepted by V12 Retail Finance you will be asked to eSign the credit agreement and once in receipt of your purchase, V12 will make your agreement live and your monthly repayments will commence for the agreed term. In short, retail finance gives you the flexibility to buy what you really want now, not just what you can afford today by spreading the cost of your purchase over a repayment period that suits your budget. 

Options Available

Subject to availability, the typical products we offer are:

Interest Free Credit - New Model Bikes

  • This is an interest free loan, with no arrangement fees
  • Minimum deposit of 10% required
  • You repay the loan amount through equal monthly payments spread over the chosen repayment period
  • Minimum loan of £299 applies
  • Cannot be used in conjunction with a discount code

Interest Bearing Credit – Sale / Reduced Bikes

  • This is an interest bearing loan with interest charged at the given APR, there are no additional arrangement fees
  • Minimum deposit of 10% required
  • You repay the loan amount and total interest spread equally over the chosen repayment period
  • Minimum loan of £299 applies
  • Cannot be used in conjunction with a discount code



How To Get Finance

Applying for finance is as easy as making a normal purchase.

  • Fill your basket with everything you want from Start Fitness and go to the checkout.
  • During checkout, select the finance option you want as your method of payment.
  • You will be sent to our finance provider’s secure server to complete your application.
  • You'll have 2 days from checking out to complete the application.
  • Finance provider V12 will use the information provided to make a decision and complete checkout when you are approved.


*Credit is subject to age and status. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement document before we can release the goods to you. 

Information Required

During the loan application process you will be asked for your personal information such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that the lender can carry out an electronic identity check.

Processing Time

With most applications we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases the lender may return the decision as ‘referred’. You will then receive an email with further instructions once the underwriters have made a decision. For in store applications you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are between 8am and 8pm, Monday to Friday (excluding Bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.


For finance orders made online, we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address, or collect the goods from us in person.

Returns & Cancellation Procedure

If you wish to return the order then please refer to our returns policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the finance if the return falls outside of our returns period.

Declined Credit Applications

You will be informed of the decision if the lender declines your application.The lender in unable to share the reason for decline with us. Applications are usually declined for reasons such as:

  • You do not meet the eligibility criteria (see above);
  • Adverse credit reference agency information;
  • Your credit score;
  • You are considered to be overcommitted; or
  • Your existing account performance with other lenders.

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision. 

Frequently Asked Finance Questions

Am I Eligible

To apply for finance you must be:

  • At least 18 years old.
  • A permanent UK resident (for 3 years or more).
  • In regular employment (minimum of 16 hours per week) including self-employed, or living with your spouse/partner who is in regular employment.
  • In receipt of a pension if you are retired.
  • Able to confirm sufficient income if you are registered disabled.
  • Able to make repayments via direct debit

Who ProvidesThe Finance

V12 Retail Finance is the UK’s only specialist provider of Retail Point of Sale Credit, providing finance to customers of our retail partners for over 10 years through our industry leading online paperless processing system.

V12 has a proven track record of providing finance to customers of retailers across a wide range of leisure sectors including Bicycles, Home Gym, Golf Equipment and Musical Instruments.

In addition to providing a wide range of promotional finance products to help drive sales, V12 is able to ensure that the process of arranging customer finance agreements fits with your unique sales process though the use of our powerful V12 system.

For more information call us on 0191 2221968 or visit the V12 website below…

Can I Ship To A Different Address

Finance orders can only be shipped to the address given in your finance application.

The Lender

Start Fitness (W & M Wholesale Ltd) acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

Start Fitness (W & M Wholesale Ltd) is registered in England and Wales 2607133. Registered office: W & M Wholesale Ltd, Unit 3C, Admiral Business Park, CramlingtonW & M Wholesale Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 634523.