financing faq

• $50–$250: 4 interest-free biweekly payments
• $250–$1,000: 3 (0% APR), 6, or 12-month terms (may include interest)
• $1,000–$1,700: 6 (0% APR), 12, or 18-month terms (may include interest)
• $1,700+: 12 (0% APR), 18, or 24-month terms (may include interest)

Some plans are 0% APR, others are interest-bearing. You’ll always see full payment details before confirming.

• Soft check to show available plans
• Hard check only when accepting certain terms
• Your score won’t be affected by checking eligibility

Yes—there are no penalties or hidden fees for early repayment.

Once we process your return, Affirm updates your loan. If you’ve already made payments, you’ll be refunded.

Approval is based on multiple factors including credit history, order value, and transaction risk. Not all applications will be approved.

Yes. Ask a team member—your application is handled via SMS or email on your device.

• 4 interest-free biweekly payments (always 0% APR)
• 6 or 12-month plans (interest may apply depending on eligibility)

No interest on 4 biweekly payments. Longer terms may carry interest—you’ll see all terms before confirming.

No soft check for Pay in 4. A hard credit check may apply for longer terms.

Yes—your plan begins at checkout, regardless of ship date.

Yes—log into your Shop Pay account to view or update billing details, see your plan status, or make early payments.

Once confirmed, payment plans can’t be canceled, but eligible returns will automatically adjust your balance.

Currently, Shop Pay is only available through online checkout.

Flexiti financing is available on purchases over $2,000. Promotional offers may have different minimum purchase requirements.

Eligible customers may qualify for 0% interest for 6 months on select sale bikes and regularly priced purchases over $4,000, subject to Flexiti approval and applicable fees.

Flexiti financing is available for eligible purchases over $2,000. For online or remote transactions, the purchase must include a bicycle.

You can apply online through Flexiti or visit The Bike Zone in store. Qualified applicants can receive a decision in minutes.

You will need a device with a working camera and microphone, valid government-issued photo ID, and access to your Flexiti account. A digital meeting with a Bike Zone sales representative is required.

Interest rates, promotional terms, and administrative fees vary by financing plan. Regular financing rates start at 9.99% for eligible purchases over $2,000, with terms up to 48 months. Review your Flexiti agreement carefully before completing your purchase.

After your purchase is approved, Flexiti will provide your payment schedule. You can view your balance, make payments, and access statements through your Flexiti online account.