Financing

Get riding now. Pay over time.

Limited time: get 0% financing for 12 months* on all bikes (OAC). Applying is easy, terms are clear, and you get a decision in seconds.

Three riders on Ari gravel bikes on a dirt road through pines and fall aspens
0% APR 12 months on all bikes* (OAC)
Terms 3 to 48 months Affordable monthly payments over 3, 12, 18, 24, 36 or 48 months at competitive rates.* 0% APR is available on some terms.
Credit Checking your rate is free Prequalifying won’t affect your credit score, and there’s no obligation to purchase.
Speed A decision in seconds A quick, easy application with clear financing terms — then get riding.

How it works

How Bread Pay™ works.

  1. 1 Check your rate Prequalify in seconds. It won’t affect your credit score.
  2. 2 Pick your term Choose 3, 12, 18, 24, 36 or 48 months. Terms may vary by price, product and state.
  3. 3 Get riding Check out with Bread Pay™ and pay for your bike over time.
* Terms

Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Rates range from 0.00% to 34.99% APR, resulting in, for example, 48 monthly payments of $31.50 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term.

Available for purchases between $50 and $1,500: a temporary authorization hold will be placed on your debit or credit card to ensure your card will cover the first two payments. One payment will be immediately voided. Your financial institution may charge one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.

Subject to approval of credit application. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.

Other ways to pay
All payment options HSA/FSA with Truemed Affirm Klarna Lease-to-own