Financing

Ride Now. Pay Later.

With special financing at Rats Cycles, a fantastic new bicycle is within your reach. Increase your buying power, and take home a new bike, equipment, and cycling accessories today! We offer 6 month deferred-interest special financing plans*, allowing you to ride now and pay later.

Applying is quick, convenient, and secure. Qualified buyers can be pre-approved in minutes! 

Once approved you can use your new account to purchase anything you want.  Make 6 easy monthly payments and pay off your balance to avoid interest charges.  

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. Order that bike of your dreams! Get that gear you desire.  Don't forget to take advantage of our direct to you shipping and White Glove Delivery service, too.

*On time minimum monthly payments are required, and the balance must be paid off within the promotional period, to avoid paying interest charges.  Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period, or if you make a late payment.  Ask one of our associates for the APR that will be charged.

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