XS Caramel 5-20 Days
S Caramel 5-20 Days
M Caramel 5-20 Days
L Caramel 5-20 Days
XL Caramel 5-20 Days
XXL Caramel 5-20 Days
XS Gum - Purple 5-20 Days
S Gum - Purple 5-20 Days
M Gum - Purple 5-20 Days
L Gum - Purple 5-20 Days
XL Gum - Purple 5-20 Days
XXL Gum - Purple 5-20 Days
XS Nickel 5-20 Days
S Nickel 5-20 Days
M Nickel 5-20 Days
L Nickel 5-20 Days
XL Nickel 5-20 Days
XXL Nickel 5-20 Days
XS zCustom MyO 5-20 Days
S zCustom MyO 5-20 Days
M zCustom MyO 5-20 Days
L zCustom MyO 5-20 Days
XL zCustom MyO 5-20 Days
XXL zCustom MyO 5-20 Days

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Finance Illustrations

Other finance options may be available to you at checkout. All finance is subject to status, minimum spend applies.

	Classic Credit 36 Months 15.9% (Minimum goods total £300.00)
Cash Price	£3899.00
Minimum Deposit	15%
Deposit to Pay	£584.85
Loan	£3314.15
Duration (Months)	36
36 Monthly Payments of	£114.64*
Cost of Credit	£812.89
Rate of Interest (fixed)	15.9%
APR Representative	15.9% APR Representative
Total Amount Payable	£4711.89

Lowest monthly payment	Classic Credit 36 Months 4.9% (Minimum goods total £500.00)
Cash Price	£3899.00
Minimum Deposit	20%
Deposit to Pay	£779.80
Loan	£3119.20
Duration (Months)	36
36 Monthly Payments of	£93.20*
Cost of Credit	£236.00
Rate of Interest (fixed)	4.9%
APR Representative	4.9% APR Representative
Total Amount Payable	£4135.00

Lowest borrowing cost	Interest Free Finance (10 Months) (Minimum goods total £700.00)
Cash Price	£3899.00
Minimum Deposit	10%
Deposit to Pay	£389.90
Loan	£3509.10
Duration (Months)	10
10 Monthly Payments of	£350.91*
Cost of Credit	£0.00
Rate of Interest (fixed)	0%
APR Representative	0% APR Representative
Total Amount Payable	£3899.00

*Final payment may be slightly higher or lower than quoted: this will be made clear in your loan documents prior to you signing the agreement

Note: Selecting other items in our site may affect which finance options are available to you. Add your preferred items to your basket and visit the checkout. You can see which options your selected products qualify for before giving us any personal details.

Representative example

Cash price £2000.00, Deposit £200.00. Total amount of credit £1800.00 over 10 months with an annual interest rate of 0% (Fixed). Monthly repayments will be £180.00 with a total repayable of £2000.00. 0% APR representative.

The above representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

Representative example

Cash price £2000.00, Deposit £400.00. Total amount of credit £1600.00 over 36 months with an annual interest rate of 4.9% (Fixed). Monthly repayments will be £47.81 with a total repayable of £2121.16. 4.9% APR representative.

The above representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

Representative example

Cash price £2000.00, Deposit £300.00. Total amount of credit £1700.00 over 36 months with an annual interest rate of 15.9% (Fixed). Monthly repayments will be £58.81 with a total repayable of £2417.16. 15.9% APR representative.

The above representative example shows the finance information that we expect to apply to more than half of accepted applications for the specific amount and repayment term.

Finance is provided by V12 Retail Finance Ltd, a trading name of Secure Trust Bank Plc. which is registered in England and Wales: 541132. Registered Office: Yorke House, Arleston Way, Solihull, B90 4LH. Secure Trust Bank Plc is authorised and regulated by the Financial Conduct Authority (FRN 204550). For more information please visit www.v12retailfinance.com.

Credit subject to status, UK only 18+

Missed or late payments will result in fees and additional interest on your loan and can also affect your credit file and your ability to obtain credit in the future.

v12Finance is the trading name of Secure Trust Bank Plc, which acts as a credit broker, not a lender.

Credit Facilities available on this product - Click for more details and payment examples

Finance* from £93.20 per month

*subject to status, minimum spend applies

Hover mouse for full example.

Model Year	2026
Options	XS Caramel 5-20 Days S Caramel 5-20 Days M Caramel 5-20 Days L Caramel 5-20 Days XL Caramel 5-20 Days XXL Caramel 5-20 Days XS Gum - Purple 5-20 Days S Gum - Purple 5-20 Days M Gum - Purple 5-20 Days L Gum - Purple 5-20 Days XL Gum - Purple 5-20 Days XXL Gum - Purple 5-20 Days XS Nickel 5-20 Days S Nickel 5-20 Days M Nickel 5-20 Days L Nickel 5-20 Days XL Nickel 5-20 Days XXL Nickel 5-20 Days XS zCustom MyO 5-20 Days S zCustom MyO 5-20 Days M zCustom MyO 5-20 Days L zCustom MyO 5-20 Days XL zCustom MyO 5-20 Days XXL zCustom MyO 5-20 Days
Product	Frame: Orbea Terra Fork: Orbea Terra OMR carbon disc fork, full carbon steerer, Headset: FSA 1-1/2" Integrated Aluminium Cup Stem: OC Road Performance RP23, -5º Handlebar: OC Gravel GR31, Reach 70, Drop 110 Brakes: Sram RIVAL AXS Rear Derailleur: Sram Rival XPLR AXS 13s Cassette: Sram XG-1351 XPLR 10-46t 13-Speed Chain: Sram Rival 12-13 Speed Crankset: Sram Rival 1 XPLR Dub Wide 40t Wheels: Oquo Road Control RC25PRO Rear Hub: Orbea Thru Axle 12x142mm M12xP1 Solid inner threaded Front Hub: Orbea Thru Axle 12x100mm M12xP1 Hollow Tyres: Vittoria Terreno T30 fine loose Gravel Endurance G2.0 700x45c Seatpost: OC Performance XP10 Carbon, 27.2mm, Setback 0 Saddle: Fizik Terra Argo X7 Aluminium Rail 150mm Mudguard: N/A Storage: Accesories Containers Side Bag: Accesories Containers Handlebar Plugs: Orbea Anti-Slippery/Shock Proof

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ORBEA TERRA M31eTEAM 1X 2026

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Finance Illustrations

Representative example

Representative example

Representative example