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Finance at Reactive Parts

We understand that when it comes to your motorbike, sometimes you've just got to have it. Now you can get your hands on the parts you need and spread the cost over a period that suits you.

We can offer both interest bearing and interest FREE finance options depending on the loan amount.  It’s the ideal way to help you spread the cost of a new purchase across affordable monthly payments that are fixed for the life of the loan. 

Our interest bearing finance option is available on purchases from £280 - £1000.  Interest free finance is available on orders over £1000.

It's quick, easy and in most cases you'll get an instant decision.

How to apply

Will I qualify?

How much can I borrow?

Is a deposit required?

How are my monthly payments paid?

What if I change my mind before receiving my order?

What if I change my mind after receiving my order?

Can I pay my agreement off early?

 

Here are some figures showing examples only.  Interest rates are offered subject to status at the time of application:

 Finance Examples

How to apply

Add the products required to the shopping cart
Proceed to the checkout and select ‘Apply for finance’ as your payment option. 
Follow the simple application process which will only take a couple of minutes and you should get an instant decision. 
If approved, sit back and wait for your delivery

 

Will I qualify?


You must be over 18 years of age.
You must be a UK resident with at least 3 years continual address history.
You must be in full time employment, unless retired or a house person with a spouse in full time employment.
You must have a UK bank account capable of accepting Direct Debits.
The goods must be delivered to your billing address.
Applications from students (unless employed at least 16 hours per week), unemployed and unemployed single house persons will not be considered.

 

How much can I borrow?

When checking out online, just fill out our easy online application form and you can be approved for up to £25,000 loan amount (plus deposit of up to £25,000 / 50%).  Use our calculator to determine how much you can spend based on your monthly payments. The minimum order is £280 including VAT.

 

Is a deposit required?

Yes, a 10% deposit is payable by credit or debit card upon acceptance for orders between £280 - £450.  20%, 30%, 40% & 50% is also available on orders over £450.

 

How are my monthly payments paid?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement and subsequent monthly payments will be due every month for the length of your term on that day of the month.

 

What if I change my mind before receiving my order?

If you wish to cancel your credit application you must contact our customer services team on +44 (0)203 603 0125. When we cancel your credit application, your credit or debit card deposit will be automatically refunded. Please allow up to 5 working days for the refund to appear on your card statement.

 

What if I change my mind after receiving my order?

You can return any unused items to us using our normal returns procedure (See Questions) within 14 days of receiving the goods.  At this point we can cancel your credit application and your deposit will be refunded back to the card used within 5 working days.  Please note that we cannot accept part order returns when purchased with finance as we can only cancel the entire agreement and not part of it.  Your agreement can only be cancelled up to 14 days after the goods are received, so please allow time for us to receive the goods back and cancel the agreement within the time frame.

 

Can I pay my agreement off early?

You have the right under section 94 of the Consumer Credit Act 1974 to repay early in full or in part at any point. If you wish to pay any amount early you must give notice to the credit provider, Ratesetter. Unless you repay in full, any early repayment you make will not reduce the duration of the agreement but, if you give them notice of your intention to pay an amount early, they will recalculate the amount of the remaining monthly instalments.

 

Reactive Engineering Ltd are authorised and regulated by the Financial Conduct Authority, register number 745276.

Our finance provider is Close Brothers Retail Finance - a trading subsidiary of Close Brothers Group PLC. Our finance provider is regulated by the Financial Conduct Authority and authorised by the Prudential Regulation Authority. For more information on Close Brothers Finance, you can visit their website at www.closebrothersretailfinance.co.uk.  

Close Brother Retail Finance, 10 Crown Place, London, EC2A 4FT.