Ride Now, Pay Later

Finance Your Bicycle & Gear Purchases

Up to 0% APR and 12 months same as cash available on qualified purchases!

Whether you are new to the sport or a seasoned veteran, we are excited that you're interested in riding.Owning your dream bike just got easier with our partnership finance programs available both in store and online! We're here to help you have more fitness, freedom and fun.


Affirm gives you a simple way to purchase that new bike or cycling gear with no hidden fees. Provide some basic information and get approved quickly! Affirm allows you to split your purchase into 3, 6, or 12 monthly payments. Simply pay your monthly bill using a debit card, bank transfer at affirm.com/pay. Available in our retail stores and online.

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Get your dream bike and cycling gear today with FREE financing (12 months same as cash, on approved credit). Our Freedom To Ride credit card is a convenient way to get the bike and accessories you want right away. You can begin your application online now and finalize it in store and you'll be riding in no time.

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SNAP is fast and convenient! Once you’ve submitted your application, it only takes seconds to know if you’ve been approved. Since SNAP has a high approval percentage your chance to qualify is high!

A quick and easy way to finance up to $3,000. Available in Bicycle Warehouse retail stores and online.

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Get your next bike and cycling gear today with Shop Pay. With one-tap checkouts this flexible payment option makes shopping quick and easy. Shop with peace of mind,

Shop Pay features end-to-end security and carbon-neutral deliveries. Currently available in our online store only.

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Need help? 

Call or text our team at 858-943-4229. We can offer advice on the best bike for your buck.

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