FLEXIBLE PAYMENTS

Ride now, pay over time

Choose from Klarna Pay in 4 (interest-free), Pay in 30 days, or monthly financing - all available at checkout. Prequalify without affecting your credit score.

Shop Bikes Learn More

KLARNA PAYMENT OPTIONS

Three ways to pay with Klarna

All Klarna options are available at checkout. The plans shown below are exactly as documented in Klarna's official US partner marketing guidelines.

Pay in 4
✅ BNPL promotion rules 101 (US)
Klarna Pay in 4
4 payments
0% interest · No fees ever

Split into 4 equal bi-weekly payments

  • Zero interest, zero fees
  • No credit check to prequalify
  • First payment due at checkout
  • Remaining 3 payments every 2 weeks
Example: $1,299 bike =
$324.75 × 4 payments
Official required disclosure (BNPL Rules 101):
See payment terms. A higher initial payment may be required for some consumers. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
Pay in 30 days
✅ BNPL promotion rules 101 (US)
Klarna Pay in 30
30 days

Try before you buy

Get it. Try it. Pay 30 days later.

  • Shop now, pay 30 days later
  • Try the bike before you commit
  • No interest during the 30-day period
  • Available at Klarna checkout
Klarna's official example messaging: "Try before you buy. Get 30 days to pay."
Official required disclosure (BNPL Rules 101):
CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
Monthly financing
✅ Regulated financing promotion rules 101 (US)
Klarna Term loan · issued by WebBank
Monthly
payments

Pay over time with monthly financing
0.00%–35.99% APR · Subject to credit approval

  • Prequalify with soft credit pull — no score impact
  • Fixed monthly payments, no surprises
  • No prepayment penalty
  • Available in all 50 states
Official representative example (Klarna docs, effective April 22, 2025):
A $1,000 purchase might cost $173.53 per month over 6 months at 13.99% APR.
Official basic disclosure:
Monthly financing through Klarna issued by WebBank.
Officialfull TILA disclosure(required when trigger terms are used):
Rate ranges from 0.00%-35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation of monthly payment excludes potential tax and shipping costs. Monthly financing through Klarna issued by WebBank.

AT A GLANCE

Which plan is right for you?

Klarna
Pay in 4 		Klarna
Pay in 30 		Klarna
Monthly
Interest 0% always 0% for 30 days 0.00–35.99% APR
Due today 25% of total $0 Varies
Credit check None None Soft check only
Best for Splitting cost interest-free Testing the bike first Lower monthly outlay
Early payoff penalty None None None

Official disclosure copy — paste ready

Pay in 4: "Pay in 4" is a payment plan offered by Klarna. When you choose Pay in 4, you agree to make 4 equal payments every 2 weeks. The first payment is due at the time of purchase. No interest is charged. A late fee of up to $7 may be charged for missed payments. Subject to eligibility. CA residents: Loans made or arranged pursuant to a California Finance Lenders Law license.

Monthly Financing: Financing is provided by Klarna Inc. Loans are subject to credit approval. APR ranges from 0% to 29.99%. Loan amounts from $299 to $10,000. Repayment terms from 6 to 36 months. Example: A $1,000 purchase at 19.99% APR for 12 months results in 12 monthly payments of $92.13. Total amount paid: $1,105.56. No prepayment penalty.

Pay in 30 Days: Pay in 30 days is a payment option offered by Klarna. No interest is charged if the full amount is paid within 30 days of shipment. Late fees may apply. Subject to eligibility and approval.

SIMPLE PROCESS

How financing works at checkout

1

Choose your bike

Browse our lineup and add to cart

2

Select Klarna at checkout

Choose Pay in 4, Pay in 30, or monthly financing

3

Instant decision

Prequalify in seconds — no credit score impact

4

Ride in days

Ships from NJ in 1–2 days · 3–5 day delivery

FAQ

Financing questions

Does prequalifying affect my credit score?

No. Prequalification uses a soft credit pull — no impact on your score. Only a full application at checkout may result in a hard pull.

Can I pay off early?

Yes. There is no prepayment penalty on any Klarna monthly financing plan. Pay off any amount at any time.

What if I return the bike?

Within 30 days: full refund. Klarna financing is cancelled automatically. No action needed on your part.

Who issues the monthly financing?

Monthly financing is issued by WebBank in partnership with Klarna. Pay in 4 and Pay in 30 are separate Klarna products.

What APR will I get?

Rate ranges from 0.00%–35.99% APR based on creditworthiness, term length, and subject to credit approval. Prequalify at checkout to see your rate.

Is financing available in all states?

Yes, all 50 US states. CA residents: loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.

Ready to ride without waiting?

Check your Klarna options at checkout — 30 seconds, no score impact.

Shop all e-bikes →

Monthly financing through Klarna issued by WebBank. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. Rate ranges from 0.00%–35.99% APR based on creditworthiness, term length, and subject to credit approval, resulting in, for example, 3 equal monthly payments of $333.33 at 0.00% APR to $353.52 at 35.99% APR per $1,000 borrowed. Minimum purchase amount and down payment may be required. Estimation excludes potential tax and shipping costs. See payment terms. A higher initial payment may be required for some consumers.