Pay over time at Bikes Online

Bikes Online sells mountain, road, gravel, kids and electric bikes direct from its own brands, plus parts and accessories. We confirmed Bread Pay and PayPal Pay Later here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Bread Pay

Minimum purchase
$50
Plan lengths
6, 12 months
APR
0% to 34.99%
Credit check
Soft to check your rate

Checked Nov 9, 2026 Bread Pay is set up on the store’s website

Store offer, minimum and plan lengths are from Bikes Online’s website. APR and credit check are Bread Pay’s general terms.

All Bread Pay stores and terms

Pay later

PayPal Pay Later

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 PayPal Pay Later is set up on the store’s website

Store offer, minimum and plan lengths are from Bikes Online’s website. APR and credit check are PayPal Pay Later’s general terms.

All PayPal Pay Later stores and terms

What a plan could cost

Example: Fox PERFORMANCE 34 FLOAT 29 - OEM at $699.99 (price on Nov 10, 2026), paid monthly over 12 months with Bread Pay financing, where the store offers it.

PayPal Pay Later Pay in 4: 4 payments of $175.00 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$58.33$699.99$0.00
19.99%$64.84$778.08$78.09
34.99%$69.97$839.64$139.65

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at Bikes Online

  1. Add what you want to your cart on bikesonline.com (at least $50).
  2. At checkout, choose Bread Pay or PayPal Pay Later.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Bikes Online financing

Does Bikes Online offer financing?

Yes. We confirmed Bread Pay and PayPal Pay Later at Bikes Online on Nov 10, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Bread Pay at Bikes Online?

Bikes Online says the minimum is $50. Below that, Bread Pay may not show at checkout.

Will checking my rate at Bikes Online affect my credit score?

Checking your rate with Bread Pay is a soft check and does not affect your credit score. If you accept a loan, it may be reported to credit bureaus.

Can I use Bread Pay in a Bikes Online store?

We checked online shopping at Bikes Online only. If the store has physical locations, ask there whether financing is available.

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