Ride Now and Pay Later - It Doesn't Have to be a Dream

Fast Loan Decisioning

Apply in minutes.

Flexible Repayments

Choose a weekly, Twice a month or monthly schedule.

Up to 36 months

Interest may apply.


Payment Term	6, 12 months*	6, 12, 24 months	3, 6, 12, 24, 36 months
Pay Schedule	Monthly	Monthly	Monthly, Twice a month
Cart Price	Minimum $1	Minimum $50	Up to $20,000
Interest	No interest will be charged on the promo balance if you pay it off, in full, within the promo period.	0 – 34.99% APRbased on credit	0 - 36% APRbased on credit
Credit Check	Yes	Yes	Yes
Account Fee	$0 A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.”	$0 A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.”	$0 A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.”
Direct Debit	Yes	Yes	Yes
Virtual Card	Yes, and physical card	No	Yes
	Learn More	Learn More	Learn More

#RIDENOWPAYLATER

Samantha

Affirm is honestly one of my absolute favorite companies, and I will continue to be a longtime customer for many years to come. Thank you for everything you do to help people and for helping to make large purchases way more affordable.

I highly recommend Affirm to others who could benefi cvb t from their services.

NO INTEREST IF PAID IN FULL WITHIN 6 OR 12 MONTHS*

On purchases made with our Freedom to Ride Synchrony HOME credit card Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.

Small to Large purchases

Minimum of $1 orders

Dedicated credit limit for your future purchases or repair needs
Use card at thousands of other Synchrony HOME locations. Find dealers.
Quick and easy application process
Access to 6- and 12-month special financing offers*

SEE IF YOU PREQUALIFY

Small to Large purchases

Minimum of $50 orders

Flexible Plans – 6, 12, 24 month options
Competitive Rates – 0-34.99% APR based on credit
No Hidden Fees – Transparent & upfront pricing
Soft Credit Check– Prequalify with no impact
Quick and Easy Application – Get a Decision within Second

*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. Subject to approval of credit application. Rates range from 0.00% to 34.99% APR, resulting in, for example, 24 monthly payments of $51.87 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay ® loans are made by Comenity Capital Bank, a Bread Financial ® company.

Apply Now

Small to Large purchases

Up to $20,000 Credit limit

3, 6, 12, 24 or 36-months payment options
$0 account fees - no hidden fees
0 to 36% APR based on credit
Flexible automatic payments using bank transfer, check, or debit card
Visit Affirm for complete Terms & Conditions - Click here

Terms and Conditions

Please be advised that the Buy Now, Pay Later methods each have their own T&Cs, in conjunction with our Terms and Conditions of Sale.

Approval, rates, and number of months are entirely up to the companies you decide to partner with (BreadPay and Affirm) and BikesOnline has no way to change those terms for any customers.

Please use each payment method's terms and conditions as a source of truth (BreadPay and Affirm). They can change it without notice, potentially making the information on this page inaccurate. For updated information for each payment method, please visit BreadPay and Affirm.