Finance Your Bike with Affirm

Affirm & Bicycle Warehouse have teamed up to offer easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you'll actually pay.

How does it work?

With no late fees and no hidden fees, you pay exactly what you see at checkout and not a dollar more. It's never been easier to own your dream bike. Subject to eligibility. Payment options through Affirm are provided by these lending partners: affirm.com/lenders

Quick & Easy

Select Affirm at checkout and enter a few pieces of information for a real-time decision. Checking your eligibility won't affect your credit score.

Flexible Monthly Payments

Enter a few pieces of information for a real-time decision.

No Hidden Fees

There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you actually pay.

Real Time Decision

Applying for Affirm financing is quick and easy — simply provide a few details about yourself and get a real-time decision so you can purchase what you love now and pay over time.

Frequently Asked Questions

What information does Affirm Require?

Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your entity.

How do I pay my bills?

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.

Does Affirm conduct a credit check?

Yes, when you first create an Affirm account, Affirm performs a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score.

Why was I prompted to pay a down payment with a debit card?

Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.

Why was I prompted for a checking account?

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.

Who's eligible for Affirm financing?

Affirm customers must: Be a resident of the U.S. (including U.S. territories) Be at least 18 years old (19 if you’re a ward of the state in Nebraska) Have a Social Security number Own a phone number that receives SMS and is registered to the United States or U.S. territories.

Your rate will be 0-36% APR based on credit, and is subject to an eligibility check. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount and a down payment may be required.