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12-Month Financing with Synchrony | Learn More

Ride now, pay later

Powered by Synchrony Financial

  • Real-Time Decisions

    Get an instant response in minutes not days

  • Won't Affect Your Credit Score

    Synchrony Prequalify only performs a soft credit check.

  • No Hidden Fees

    Know up front what you'll owe, with no hidden costs and no surprises.

Financing Done The Right Way

At Bike Mart, financing is done the right way — simple, transparent, and built around you. Enjoy flexible payment plans with no interest if paid in full within the promotional period, backed by trusted partners like Synchrony Bank. We make it easy to ride today and pay over time — no surprises, just great bikes and honest terms.

Choose from

  • 6 Months

    No interest if paid in full within 6 months**

    On purchases of $200 or more with your Synchrony Freedom to Ride Card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 12 months. Minimum monthly payments required.

  • 12 Months

    No interest if paid in full within 12 months**

    On purchases of $1000 or more with your Synchrony Freedom to Ride Card. Interest will be charged to your account from the purchase date if promotional balance is not paid in full within 12 months. Minimum monthly payments required.

  • Choose your bike

    Find the perfect bike that suits your needs and select Synchrony Bank as your payment method at checkout.

  • Apply

    Fill out the secure online application and you'll get an instant credit decision. Preqaulifying won't affect your credit score.

  • Get account information

    You'll receive a temporary account number to secure the bike of your dreams.

  • Ready to roll

    Your payment has been completed! We will either ship your bike or prepare your bike to be picked up at your local Bike Mart!

**Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For New Accounts: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. A Promo Fee does not apply to this offer.