3, 6, 12, or 24 month plans. Soft credit check, no impact on your score to prequalify.
Learn more → RecommendedPay your way
Ride now.
Pay later.
Four ways to finance your build. As low as 0% APR for qualifying riders. Prequalify in under a minute with no impact to your credit.
$
Our partners
Four ways to pay over time.
Pick the one that works for your wallet. Every option is available at checkout — no separate application needed before you shop.
Split into four interest-free payments, every 2 weeks. Great for parts and gear under $1,000.
Learn more →Pay over 6 weeks with no interest. Auto-billed from your card. Quick approval at checkout.
Learn more →No credit, bad credit, no problem. Lease to own with weekly or bi-weekly payments.
Learn more →How it works
Four steps. No paperwork.
The whole flow happens at checkout. You'll never need to call us about money.
Pick your bike or build
Add the bike, parts, or full build to your cart. Hit checkout when you're ready.
Choose your plan
Pick from Affirm, Klarna, Afterpay, or Snap. Each tells you the price up front.
Quick approval
Most decisions in under 60 seconds. Soft credit pull only — won't hurt your score.
Ride now. Pay later.
We ship (or you pick up) the same day. You pay over time. No catch.
0%Starting APR
$50Min purchase
60secApproval time
24moMax term
FAQ
Money questions.
Straight answers about credit, fees, and what happens if life happens.
Will applying hurt my credit score?
Prequalifying is a soft credit check — it does not affect your score. Only Affirm runs a hard inquiry if you accept a longer-term plan, and they tell you before it happens.
What's the minimum to finance?
Affirm starts at $50. Klarna and Afterpay work for any cart size. Snap Finance requires a $300 minimum cart.
Can I finance parts and bikes together?
Yes. Your whole cart finances as one plan. Mix a bike, parts, gear — one monthly payment.
Do you offer in-house financing?
Not currently. We partner with the providers above because they handle approval, billing, and customer service better than we can.
What if I miss a payment?
Reach out to your provider directly. None of them report to credit bureaus on missed payments, but late fees may apply. Snap has the strictest policy — read their terms.
Ready
Build it. Finance it.
Configure your ride, choose a plan at checkout, ride out today.