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Financing options

Pay for your bike, wheels or service over time with Synchrony, Afterpay or Affirm. Here is how each one works.

Bikes and big purchases

Synchrony

Credit card issued by Synchrony Bank

A credit card for sporting goods with promotional plans from 6 to 24 months. Used in store.

  • ProviderSynchrony Bank
  • Plans6 to 24 months
  • WhereIn store
Request the application →
Purchases up to $2,000

Afterpay

Pay in 4, provided by Afterpay

Four payments, one every two weeks. Choose Afterpay at checkout or tap the Afterpay Card in store.

  • ProviderAfterpay
  • Plans4 payments over 6 weeks
  • WhereOnline and in store
How Afterpay works →
Larger purchases, online

Affirm

Monthly plans, provided by Affirm

Monthly payments. We send you a payment link and you pick your plan with Affirm.

  • ProviderAffirm
  • PlansSet by Affirm
  • WherePayment link
Ask for a payment link →
Synchrony, step by step

How to apply

  1. Ask us for the application.

    In the shop or by WhatsApp. We send it to your phone.

  2. Fill it in on your phone.

    It takes about five minutes.

  3. Get your answer.

    Synchrony replies with your credit limit, usually within minutes.

  4. Pay in store.

    Bring a photo ID and choose your plan at checkout.

Good to know

Frequently asked questions

What do I need to apply for the Synchrony card?
A government photo ID, a Social Security Number and a US address.
How long does it take?
The application takes about five minutes and most answers come within minutes.
Does applying affect my credit score?
Applying for the Synchrony card is a credit application, so Synchrony will check your credit. Afterpay and Affirm run their own checks in their apps.
What does "no interest if paid in full" mean?
Some Synchrony plans are deferred interest. Interest builds from the purchase date and is waived if you pay the full balance before the promotional period ends. If a balance remains, that interest is charged. Synchrony shows you the terms of each plan before you choose.
Can I finance service or a bike fit?
Yes. Any purchase at the shop counts, including workshop jobs and fitting.
I already have a Synchrony Sport card. Do I need to apply again?
No. Bring the card or your account number and a photo ID.

Financing is provided by Synchrony Bank, Afterpay and Affirm, subject to their approval and terms.