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Ride Now, Pay Later

Ride Now. Pay Later.

Thanks to our special financing offers, a fantastic new bicycle is within your reach. Increase your buying power, and take home a new bike as well as cycling apparel and equipment today! We offer up to 24 month deferred-interest* special financing plans, allowing you to ride now and pay later.

Applying online is quick, convenient, and secure. Qualified buyers can be pre-approved in minutes! You can also visit us and apply in-store; please bring a valid ID, credit card, and your social security number. As soon as you’re approved, you can start enjoying all of the benefits of special financing.

Apply from home.

1) Apply for your Freedom to Ride Synchrony Kyle's Bike Shop Credit Card

2) Bring your results into the store

3) Ride off with the bike of your dreams – same day!

4) Pay off your bike in affordable payments – and no interest* 

Your Financing Options

  • 12 month deferred interest with $500 min purchase
  • 18 month deferred with $1000 min purchase
  • 24 month deferred with $2000 min purchase

To qualify, purchase must include a bicycle.

Your Financing Benefits

  • Low minimum monthly payments
  • No annual cardholder fee
  • 24 hour online account access
  • Paperless billing available


Get a FREE $100 Synchrony Visa® Prepaid Card with a purchase of $1,000-$2,499 OR a $200 Synchrony Visa® Prepaid Card with a purchase of $2,500 or more with their new card.


Find Your Dream Bike

Ready to start your search for your new bike? Shop our selection online and visit us today to go for a test ride.

* At no time will the minimum payment due be less than $27.00. Interest will be charged to your account (at the standard, variable 28.99% APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum Interest Charge is $1.00 per credit plan.