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Financing at The Bike Shop

Ride now, pay later with instant financing options

Flexible financing options that work for you!

We want our customers to have the best experience on their bikes as possible, which is why we work with various financing partners to find a solution that works for you! Our partners give you instant financing to make your purchase more flexible from pay-in-four to traditional financing options.


Pay in 4 Options

Klarna - Pay in 4

Split your purchase amount into 4 smaller payments, with 0% interest, and there are no fees when you pay on time. Spend up to $4000 on a single transaction

Sezzle - Pay in 4

Split your purchase into 4 interest-free payments with no fees and no interest. Sezzle won't affect your credit score it simply allows you flexibility to how you pay. Available for online purchases up to $1500. First time borrowers typically get approved for purchases between $300 - $500.

Afterpay - Pay in 4

Split your purchase into 4 smaller payments over 6 weeks. Never pay interest when you pay on time. Available for online purchases up to $3000.


Traditional Finance Options

Flexiti Financing

Traditional financing option with Flexiti. Take up to 90 days to pay, interest free and payment plans up to 84 months. Quick approvals and your FlexitiCard can be used at over 7,500 retail locations across Canada including Visions, Kal Tire, The Brick, and more!

Neo Financial

Pay with Neo Mastercard to earn exclusive cashback. Simplify payments, advanced controls, and pay with ease. Get an exclusive welcome bonus when you sign up through The Bike Shop.


Financing FAQ

Choosing a financing option

We offer Klarna and Sezzle for pay in 4 options

Klarna is a good option if your transaction is up to $4000 and you have the funds on a debit or credit card to make the first payment.

Sezzle offers pay in 4 with a transaction limit of $2500. However most common first time approvals are between $300 - $500. This is because Sezzle requires you to build credit with them, as you build credit your limit can increase.

We offer two traditional financing options. Neo Financial Mastercard, and Flexiti Financing

Neo Mastercard is a traditional mastercard with cashback and no annual fees. An option if you're looking to apply for a new credit card that has perks.

Flexiti Financing is a traditional financing option if you are looking to finance a purchase for up to 90 days.

Approvals

There are a few factors as to why you may have been denied, below are some common scenerios:

  • It's your first time borrowing with Sezzle and the amount requested is above $500
  • You have used Sezzle before but the transaction amount exceeds your limit
  • Sezzle may deny your request if you do not qualify

There are a few factors as to why you may have been denied, below are some common scenerios:

  • Your transaction limit exceeds the limit of $4000
  • Your Klarna first payment was denied
  • Klarna may deny your request if you do not qualify