Pay over time at Mike's Bikes

Mike's Bikes is a California bike retailer selling road, mountain and electric bikes. We confirmed Shop Pay Installments and Synchrony credit card here.

2 options confirmed
Checked Nov 14, 2026
Bikes, water & outdoors

Ways to pay over time

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

Pay later

Shop Pay Installments

Minimum purchase: $50 for Pay in 4
APR: 0% to 36%
Credit check: No impact to apply

Checked Nov 10, 2026 Shop Pay Installments is set up on the store’s website

Store offer, minimum and plan lengths are from Mike's Bikes’s website. APR and credit check are Shop Pay Installments’s general terms.

All Shop Pay Installments stores and terms

Store credit card

Synchrony credit card

Name at checkout: Freedom to Ride credit card
APR: Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check: Credit card application

Checked Nov 14, 2026 The store’s website says it offers Synchrony credit card

Store offer, minimum and plan lengths are from Mike's Bikes’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

Takes PayPal

PayPal (Pay Later inside PayPal)

Mike's Bikes takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

PayPal Pay Later terms and stores

HSA/FSA

Pay with HSA/FSA via Flex

Mike's Bikes takes HSA and FSA money through Flex. Some items need a short chat consultation at checkout to qualify, then you pay with your HSA or FSA card or split the payment. Your plan can still refuse the claim, so check your plan first.

Checked Nov 14, 2026

How Flex works, and is it legit?

What a plan could cost

Example: Ochain R (8-Bolt) at $350.00 (price on Nov 14, 2026), paid monthly over 12 months with Shop Pay Installments financing, where the store offers it.

Shop Pay Installments Pay in 4: 4 payments of $87.50 every 2 weeks, with no interest if you pay on time.

APR	Monthly	Total paid	Interest
0%	$29.17	$350.00	$0.00
19.99%	$32.42	$389.04	$39.04
36%	$35.16	$421.94	$71.94

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 Mike's Bikes

Add what you want to your cart on mikesbikes.com.
At checkout or on the store’s financing page, choose Shop Pay Installments or Freedom to Ride credit card. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
Compare the plans and the total cost, then accept only if the total works for you.

Questions about Mike's Bikes financing

Does Mike's Bikes offer financing?

Yes. We confirmed Shop Pay Installments and Synchrony credit card at Mike's Bikes on Nov 14, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at Mike's Bikes affect my credit score?

Applying for Shop Pay Installments does not affect your credit. If you take a plan, your loan and payment history may be shared with credit bureaus.

Can I use Shop Pay Installments in a Mike's Bikes store?

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

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