Finance & Monthly Payments with Klarna
Spread the cost - ride now, pay later
At Ocean Cycles, we make it easy to get the bike you want, whether you’re shopping in-store or online. With Klarna finance, you can spread the cost of your purchase into manageable monthly payments and ride away today.
How It Works
You can apply for Klarna finance online at checkout or in-store with our team — both are quick and simple.
Choose Klarna finance
Online: Select Klarna at checkout.
In-store: Just ask a member of staff — we’ll guide you through the short application process.
Pick your payment plan
Klarna offers flexible options to suit your budget:Pay in 3 interest-free installments
6, 12, or 24-month finance plans with a small deposit
Pay a small deposit
A 10–20% deposit is usually required — around 10% on lower-priced bikes and up to 20% for higher-value models.Instant decision
Klarna completes a soft credit check (which won’t affect your credit score) and confirms your plan within seconds.Ride now, pay later
Once approved, you can take your new bike home or have it delivered — and pay off the balance monthly through Klarna.
Why Choose Klarna with Ocean Cycles
Available in-store or online — whichever suits you
Low deposits starting from 10%
Flexible terms to spread the cost up to 24 months
Quick approval — often within minutes
Transparent pricing — no hidden fees or surprises
Things to Know
Finance provided by Klarna Bank AB (publ) and subject to credit approval.
Deposits and terms vary depending on the value of your purchase.
Late or missed payments may incur charges or affect your credit rating.
Always review Klarna’s full terms and conditions before confirming your agreement.
Ready to Apply?
Visit us in-store or shop online to use Klarna finance at checkout.
If you’d like a hand choosing the right plan or have questions about eligibility, our team is here to help.
Ocean Cycles, Cornwall
01726 77700
customerservices@oceancycles.co.uk