Financing

Flexible Financing

Ride now, pay over time with easy monthly payments. 30-second application, no impact to your credit score to check your rate.

Shop Bikes → Calculate Payment

Simple Process

How Financing Works

Three easy steps to get on the trail.

Apply in Seconds

Fill out a quick form at checkout. It takes less than 30 seconds and won’t affect your credit score.

Choose Your Plan

Get an instant approval decision. See your rate and choose a 6, 12, 18, or 24-month plan that fits your budget.

Ride

Your bike ships immediately. Enjoy the trail while making comfortable monthly payments. 0% APR available on select terms.

Estimate

Payment Calculator

Estimate your monthly payment for any Cyberbike.

Bike Price

Loan Term

Estimated Monthly Payment

$119

for 24 months · Based on 15% APR

*This is an estimate. Actual rate depends on creditworthiness. 0% APR available for qualified buyers on select terms.

Shop Now — Check Rate at Checkout →

Our Financing Partners

Choose the payment option that works for you at checkout.

Affirm

6–24 month terms · 0% APR available

Shop Pay

Installments · Powered by Affirm

Questions

Financing FAQ

No. Checking your eligibility with Affirm is a soft credit check and will not affect your credit score. A hard inquiry only occurs if you proceed with financing.

You’ll receive an instant decision in under 30 seconds. Simply select Affirm or Shop Pay at checkout, fill out the short form, and see your rate and monthly payment immediately.

Yes. Affirm allows early payoff with no prepayment penalty. You only pay interest on the time you actually hold the loan.

There is no minimum credit score requirement. Affirm considers a variety of factors when reviewing your application. APR ranges from 0% to 36% depending on your credit profile and the term you select. Qualified buyers with strong credit often receive 0% APR on 12-month plans.

Ready to ride?

Bikes starting at $1,095. Check your rate at checkout — no credit score impact.

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