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True North Cycle Hub

We have partnered with Novuna Finance to offer our customers the best choice of finance options when purchasing from us as an alternative to paying cash or credit card.

Take advantage of zero interest finance with Novuna Personal Finance, with some one of the most flexible finance packages with the best rates on the market.

Buy now pay later (BNPL) options or interest bearing below;

ProductTerm & RatesCustomer FlexibilityFinance Requirements
BNPL 12 + 12Pay nothing for 12 months, with 12 months at 9.9% = 24 month BNPL12 month holiday on payments, only £29 settlement fee to pay out soonerMinimum finance amount £500. Deposit on all application 10%*
BNPL 12 + 24Pay nothing for 12 months, with 24 months at 14.95 = 36 months BNPL12 month holiday on payments, only £29 settlement fee to pay out soonerMinimum finance amount £500. Deposit on all application 10%*
Interest BearingTerm to suit (6 - 48 months) with an APR of 5.9%Fixed termsMinimum finance amount £350. Deposit on all application 10%*
*10% deposit is payable to True North Adventures & Cycle Hub Limited via BACS or phone payment.

Novuna have an really customer focused and easy online application.

To apply for Novuna Finance, all you need is a valid email address, your mobile phone number and meet the following minimum criteria:

  • Be 18 years or older
  • Be in permanent paid employment (over 16 hours a week), retired and receiving a pension, be a houseperson with a partner in permanent paid employment or be self employed
  • Be a UK resident (minimum of 3 years)
  • Be able to provide acceptable proof of address and proof of signature
  • Make payments by direct debit, and
  • Be purchasing the product for personal, not business use
Once your application is completed you'll have an instant finance decision and options to help you with flexibility. Its so easy.

Give us a call for us to start your application today.

Have a try with the savings calculator below to see your options.

Broker Disclosure

Credit subject to status and affordability. True North Adventures & Cycle Hub Limited FRN: 916312 trading as True North Adventures & Cycle Hub Limited are authorised and regulated by the Financial Conduct Authority. We are a credit broker not a lender – credit is subject to status and affordability, and is provided by Mitsubishi HC Capital UK PLC. Terms & Conditions Apply. The register can be accessed through

Finance FAQ;

How do I choose to PaybyFinance?

Decide on the finance option you are looking for Buy Now Pay Later or Interest Bearing finance. Give us a call or call into see us so we can start your application process online with your email/mobile number. Our webshop platform is working with Novuna to integrate finance options into our checkout on our online store, this is not available at present, but don't worry, it doens't stop you completing your purchase, see below for further details on 'buying online'

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered. For Buy Now Pay Later agreements the monthly repayments will start 12> months after the agreement has been signed.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier from True North Adventures & Cycle Hub Limited trading as True North Adventures & Cycle Hub Limited. Our webshop platform and Novuna are working together on an integration that will allow finance at checkout stage. This isn't avaialble at present, but don't worry we can reserve your bike as quickly over the phone or by email.

Let us know the purchase you wish to make, and the finance option you are looking for, check out our online calculator with our Buy Now Pay Later and Interest Bearing rates. We'll need some personal details to start your application (name, address, contact number and email), you'll then receive an online application form from Novuna to complete.

The whole process only takes a few minutes and is simple and secure. The deposit amount/percentage is to be paid directly to True North Adventures & Cycle Hub Limited, this will secure your purchase whilst we wait for the finance agreements to be completed between you and Novuna. We will send an invoice with the full purchase amount and the deposit required. Payment can be made via BACS or over the phone. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

How quickly will my finance application be approved?

All finance decisions will be made within minutes. Once you are approved, we will contact you (during working hours Monday to Friday) to arrange collection/delivery. If your application is referred Novuna’s Underwriting Team will review your application and may request some further information from you before making their decision.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement True North Adventures & Cycle Hub Limited FRN: 916312 trading as True North Adventures & Cycle Hub Limited will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

Will you credit score me and if so, what does this mean?

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.

This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

If you decline my application, what is the reason?

In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:

  • Your credit score (please note that every finance company will score you differently)
  • Adverse credit reference agency information
  • You are considered to be overcommitted
  • You are aged under 18
  • Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?

Some of the information is public information, for example electoral roll, County Court Judgments and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

How do I obtain a copy of this information?

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

  • Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
  • Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
  • TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

If my application is not successful, can I re-apply?

Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.

Can I request delivery to an address other than my home?

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

What is APR and Rate of Interest?

The 'rate of interest' is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges. The 'APR' is a broader measure of the cost of borrowing than the interest rate. The APR reflects the interest rate, and other charges that you pay to get the loan. The FCA description of any APR is "APR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. The APR takes into account not just the interest on the loan but also other charges you have to pay, for example, any arrangement fee. All lenders have to tell you what their APR is before you sign an agreement. It will vary from lender to lender.