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Financing

Get out on your bike now and pay over time!

Pay with Affirm Pay with Klarna Pay with Shop Pay

0% APR financing, now through December 31

From now through December 31, 2026, qualifying customers can pay as low as 0% APR with Affirm. Rates are 0–36% APR based on credit and are subject to an eligibility check. This offer is valid through December 31, 2026 and is subject to change at any time.

Cycling is an incredible passion, but we know it can be an investment. That’s why R&A Cycles offers flexible financing options through Affirm, Klarna, and Shop Pay, making it easier than ever to get your dream bike or gear with affordable monthly payments.

1. How it Works

With our financing options, you can pay for your new bike, gear, or apparel in manageable monthly installments. Whether you’re upgrading to a Pinarello, BMC, or a new Shimano or SRAM groupset, we offer plans with 0% APR (subject to approval) to help bring your cycling dreams to life. Choose the payment plan that works for you, and enjoy no prepay penalties if you pay off your balance early.

2. PAYMENT OPTIONS TO FIT YOUR NEEDS

We accept multiple payment methods, including debit cards, bank transfers, and PayPal. Plus, Affirm, Klarna and Shop Pay offer easy and flexible financing plans. You can get preapproved at checkout for a smooth and simple process.

3. MAKE YOUR DREAM GEAR A REALITY

Whether it’s a new mountain bike, an indoor trainer, or some premium cycling apparel, Affirm, Klarna, and Shop Pay make it easier to get the gear you want now and pay over time. Take advantage of our financing options to ride with the gear you’ve always wanted.

* To read Affirm's full payment terms and disclosure requirements click here

* Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers https://www.affirm.com/licenses.