Pay over time at State Bicycle

State Bicycle sells single-speed, fixed-gear, city, gravel and kids bikes, plus parts and apparel. We confirmed Bread Pay, Affirm and Shop Pay Installments 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
Often $50
APR
0% to 34.99%
Credit check
Soft to check your rate

Checked Nov 9, 2026 The store’s website says it offers Bread Pay

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

All Bread Pay stores and terms

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 Affirm is set up on the store’s website

Store offer, minimum and plan lengths are from State Bicycle’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

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 We saw Shop Pay Installments at the store’s checkout

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

All Shop Pay Installments stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

State Bicycle 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

What a plan could cost

Example: State Bicycle Co. - Carbon Rigid MTB Fork at $349.99 (price on Nov 10, 2026), paid monthly over 12 months with Bread Pay 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.

APRMonthlyTotal paidInterest
0%$29.17$349.99$0.00
19.99%$32.42$389.03$39.04
34.99%$34.98$419.81$69.82

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 State Bicycle

  1. Add what you want to your cart on statebicycle.com.
  2. At checkout or on the store’s financing page, choose Bread Pay, Affirm or Shop Pay Installments. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  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 State Bicycle financing

Does State Bicycle offer financing?

Yes. We confirmed Bread Pay, Affirm and Shop Pay Installments at State Bicycle on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at State Bicycle 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 State Bicycle store?

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

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