Financing through Synchrony

0% interest for 12 months

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What it looks like per month

Price ÷ 12. Your exact minimum payment is set by Synchrony; pay the balance within 12 months and you pay no interest at all.

Slide to your bike

$3,000

$1,000$11,000

$250 / month

That's about $8.22 a day. 12 payments, 0% interest, nothing added.

How it works

  1. Pick your bike

    Anything over $1,000 qualifies — new bikes, e-bikes, cargo bikes, or a build with accessories.

  2. Apply in minutes

    Online through Synchrony, or with us in store, by phone, or by email. Most decisions are instant.

    Apply now

  3. Ride it home

    Pay at checkout with your new Synchrony account — same as a card.

  4. Pay it off in 12 months

    Make at least the minimum each month and clear the balance inside 12 months. Do that and the interest is zero.

The fine print

What if I don't pay it off in 12 months?

Interest is charged from the original purchase date on the whole promotional balance, at the account's purchase APR — 29.99% for new accounts. That is steep. Only use this if you're confident you can clear the balance within the 12 months.

The key terms

  • No interest if paid in full within 12 months on purchases of $1,000 or more.
  • Minimum monthly payments required; paying only the minimum will not clear the balance in 12 months.
  • Purchase APR for new accounts is 29.99%. Minimum interest charge is $2.
  • Subject to credit approval. Offer terms can change; the terms at the time you apply govern.

Can I use it in store, or on a deposit?

Yes. Apply ahead of time or at the counter; the account works like a card, so it also covers deposits on bikes we're ordering for you. Call 503-334-1560 or email info@clevercycles.com and we'll walk you through it.

Ready when you are

Apply takes a few minutes. Prefer to talk it through? 503-334-1560, or come by the shop.

Apply now