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yeah pretty much, I remember in last time which is easily a decade ago, the shop said they cant sell bikes at discounted price if on C2W. If you calculate the salary sacrifice over 12 months and not plan to stay with your employer for 5 years the diff is quite minimal. Defo less than 15% on Aethos.
Have balfe's run out of stock?
Is the admin fee standard everywhere? I spoke to someone at Banjo cycles about an Aethos that is on sale, and they told me i would need to add a 15% commission for use of cyclescheme.