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Cyclist FAQs

How do I get involved with Free2Cycle?

If you want to get involved with Free2Cycle your first port of call is the Free2Cycle website. Take a look at our Cyclists page for more information or contact us via if you want more information.

What if I’m not very fit and can’t cycle far?

Free2Cycle was designed for you. We’ve all got to start somewhere and remember, you choose your mileage pledge. You might want to try an electric bike to help give you that extra pedal power.

What if I don’t know anything about bikes or what to choose?

No problem. When you register with us, we will walk you through with our straightforward step by step process, explaining everything you need to know to help you make your choice.

How do I know what size bike to order?

You will need to refer to the manufacturer’s size guide that is included in our application process. Bike manufacturers have their own specific size guides which can vary depending on the model. It is very important to check the size guide before ordering your bike.

How much exercise do I have to do?

It’s up to you. You tell us how much mileage you want to do (minimum 20 miles per week) and this determines what bike we are able to supply to you with.

The NHS suggests that we should all aim to do at least 2 ½ hours of exercise per week, depending on your cycling speed that would be around 6 miles per day, 5 days of the week which would be a great starting point if you don’t do any other exercise.

How do I check if my sponsor is already on board?

You can check if your sponsor is already on board when you apply on the Free2Cycle website.

What if my sponsor hasn’t joined Free2Cycle?

Not a problem. You register yourself online with us and we will do our best to get your sponsor on board (our research is very convincing). You may also want to approach your sponsor/human resources team about Free2Cycle and together we can encourage them to sign up.

My Sponsor has already signed up to Free2Cycle. Do I need to talk them before I sign up?

No, we have streamlined the process to make it easy for you. Just register yourself via the Free2Cycle website and we will do the rest.

How much do I have to cycle to ensure that I don’t pay towards my bike?

The majority of Free2Cycle cyclists should never have to make a financial contribution. They simply need to meet their mileage commitment and pedal power becomes their currency.

  • When you sign up you give us your pledge mileage, we reduce your weekly pledge by 7 weeks p.a. to take into account times that you may not be able to ride.
  • We really don’t want you to have to pay for your bike with money, to minimise the possibility we drop your pledge down to a more easily achievable and beatable mileage, we call this your mileage commitment. Your mileage commitment is 80% of your mileage pledge.
  • We understand that it’s more challenging to enjoy your bike during winter months so we cut the expected mileage between November and February in half.

A working example:

  • If you gave a weekly pledge mileage of around 33 miles per week your annual pledge mileage (minus 7 weeks p.a.) would be 1,500 miles p.a.
  • Your mileage commitment would then be 1,200 miles p.a. This would mean that in order to keep up with your mileage commitment you would need to cycle 120 miles p.m. in the better weather months and 60 miles p.m. between November to February.

Can I join Free2Cycle if I will only use my bike for part of my commute, or do not commute at all?

Yes, we encourage you to use your bike to substitute your commute mileage and will reward you when you cycle either for all of your commute, or as part of your journey. For example, you may choose to cycle to the train station and then hop on the train for the rest of your journey.

As well as commute miles, Free2Cycle also recognises miles you cycle for fun and fitness; all we ask is that you keep up with your mileage commitment. We define commute mileage as any ride which is part of your regular journey to work, or is a regular journey that you previously made by car or public transport.

How will it benefit me as a cyclist?

  • You get a brand new bike!
  • You can make big savings; the average savings enjoyed by those who choose to commute by bike, instead of other means of transport, is approximately 7% of their gross income. Annually this could equate to over £1,800. That’s £150 per month (Based on data from ONS, HMRC and DfT).
  • You will be making an investment in your long term health and well-being.

The Free2Cycle system doesn't recognise my Sponsor.

Please make sure your Sponsor’s name is correct. If you are still not able to find your sponsor, please send an email to

Why do I receive an error message that my information does not match my Sponsor’s details for me?

We will ask you to supply your first name, last name, date of birth, post code, and NI number and we will check these against the information that your sponsor has provided to confirm that you are eligible. Please contact your Sponsor to confirm that they have supplied us with the correct information.

I have applied for my bike, what now?

You will receive a confirmation email to let you know your order has been received and to confirm details of your bike, the retailer’s address and your mileage pledge as well as the expected date you will be able to collect your bike.

I have applied for my bike but changed my mind and want to cancel my agreement with Free2Cycle.

The cancellation period will expire 14 days from the day you acquire physical possession of your bicycle. To exercise the right to cancel, you must inform Free2Cycle by email to of your decision to cancel this contract. We will get in touch to explain what happens next. If your bike is not in “as new” condition, we may have to levy a charge.

Does this affect my salary? Will the amount of mileage I do have an impact on my pay?

Your mileage achievements do not impact on your salary. Sponsors receive one simple schedule each month based on overall mileage achieved by their team.

When I go on holiday, I won’t be able to commute, does that mean I’ll have to pay?

Your annual pledged mileage is based on the weekly mileage pledge which you gave us. We reduce your weekly pledge by 7 weeks p.a. to take into account times that you may not be able to ride.

If you cycle more than your mileage commitment, you will be able to build mileage credits. These are capped at the annual mileage commitment plus a percentage which is agreed with your sponsor (typically 30%), divided by 12. Any mileage credit will be used to offset any payments that you may otherwise be required to make in later months.

Why do I have to enter into a finance agreement to get my bike?

The finance agreement enables you to purchase the bike. As long as you meet your mileage commitment, then your monthly payment due will be covered by your Sponsor and Free2Cycle.

How are bikes funded or financed?

All bikes provided by Free2Cycle are individually financed, cyclists who meet or exceed their mileage commitment will have the payments made in respect of the finance agreement by Free2Cycle from the mileage based contribution recovered from your Sponsor. If you don’t meet your mileage commitment or if you’ve opted to upgrade your bike using monthly finance you will need to make a contribution. To make it easy we’ve teamed up with Deko whose smart technology lets you apply for and complete the required loan application quickly and entirely online. The quick application form should take no more than a couple of minutes to complete and you’ll normally receive an instant decision. Easy!

Who actually pays for my bike?

Your Sponsor pays Free2Cycle a 20p (plus VAT) per mile charge for the miles you cycle in accordance with your pledge. Free2Cycle makes loan repayments on your behalf from this charge. If your mileage is below your commitment, then you will need to make a contribution as well – for example if you are 10% below your monthly mileage commitment then you will have to pay 10% of the monthly loan repayment charge.

How do I know if I am eligible for Free2Cycle?

As long as your sponsor has signed up, there are very few restrictions. You will need to meet our finance requirements, please see below for more detail.

How do I know if I am eligible for Finance?

To be considered for finance you will need:

  • To be at least 18 years old;
  • To be in regular full or part-time employment (minimum 16 hours per week, unless you are retired and receiving a private / company pension or in receipt of disability allowance);
  • To be a permanent UK resident and have lived in the UK for at least 3 years;
  • To have a UK bank account capable of accepting Direct Debits;
  • To have a good credit history with no late payments, debt relief orders, CCJs, IVAs or bankruptcies; and
  • To provide an email address so your documentation can be emailed to you.

Representative example:

      • 9.9% finance over 48 months
      • Total order value = £700
      • Total amount of credit = £700
      • Duration = 48 months
      • Representative APR = 9.9%
      • Interest charged = £150.57
      • 48 monthly payments of = £17.72
      • Total amount payable = £850.57

How is my finance application assessed?

Your application will be assessed based on eligibility, credit history and affordability and Deko will let you know the outcome in just a few moments. It’s important to know that when applying for finance a hard credit check is made which is recorded on your credit file.
Once approved, Deko will let you know who the lender is and provide you with their full contact details. You then just need to digitally sign your credit agreement, pay any deposit and wait for your order to be confirmed.
In a few cases, your application may be referred to a lender for manual assessment and you’ll be notified by email of the credit decision within 24 hours. If you’re not approved for finance it could be for a variety of reasons; the lender will be able to give you more information.

Who provides the finance?

Free2Cycle Limited is an Appointed Representative of Pay4Later Ltd trading as Deko for the purposes of credit broking.
Finance is provided through the Deko platform by Omni Capital Retail Finance Ltd (FCA register number 720279). You will be offered the best rate available based on your credit history and the lender’s credit decision policies.
Deko is a trading name of Pay4Later Ltd who acts as a credit intermediary. It is registered in England and Wales (company number 06447333) and authorised and regulated by the Financial Conduct Authority (register number 728646). For more information please refer to or visit

How is the loan payment made?

The first direct debit payment is due a month after you receive your bicycle. This will be paid by Free2Cycle on your behalf unless you have chosen to upgrade your bike by making a voluntary contribution, in which case you will have to pay a proportion of the payment. If you do not achieve your mileage commitment, Free2Cycle’s contribution will be reduced proportionately and the amount of the reduction will be charged to you in your monthly direct debit payment. This will show on your statement as a payment to your lender. You have the right to repay all or part of the loan early at any time.

Repaying the loan

  • If you meet or exceed your mileage commitment you will not need to make a financial contribution towards your bike, unless you have chosen to upgrade (you will have the payments made in respect of the finance agreement by Free2Cycle from the mileage based contribution recovered from your Sponsor).
  • If you don’t meet your mileage commitment or if you’ve opted to upgrade your bike using monthly finance you will need to make a contribution.
    If you have opted to upgrade your bike your first direct debit payment will be taken a month after you receive your bike.
  • If you need to make contributions as a result of not meeting your mileage commitment the first direct debit payment may be taken approximately three months after you receive your bike or at any time when your mileage drops below your commitment. This will show on your statement as a payment to your lender.
  • You have the right to repay all or part of the loan early at any time

Can I cancel the loan?

There is a 14-day cooling off period where you can withdraw from the credit agreement after signing your documents. If you want to do this, you need to notify the lender.
A payment plan does not affect your right to cancel the agreement as stated in our terms and conditions. Just contact us and we’ll cancel your application and the lender will refund any deposit you may have made and let you know of any outstanding balance if applicable. If you have already collected your bike, you will need to return this as well. If it is not in “as new” condition, we may have to make a charge.

Please feel free to contact us by email at or on 01276 986060.

Can I upgrade my bike before the end of the loan term?

You don’t need to wait until the end of your loan term to upgrade your bike. Simply pay off the outstanding balance on your existing loan and then apply for your new bike in the normal way.

What will happen if my sponsor doesn't pay for the miles I have cycled?

If your sponsor stops paying, you will have to pay the monthly amounts due under the loan agreement.

What happens if I don't complete my mileage?

If you don't complete your mileage commitment you will have to pay the proportion of the monthly amount which you didn’t achieve. If you don't cycle at all, you simply pay the monthly amount in full.