Skip to main content

Financing Options At The Bike Shoppe

We believe that bike riding is essential for a healthy and happy life. While finding the perfect new bike is exciting, sometimes life can be a little complicated and hectic.  Purchasing an awesome new set of wheels outright might add some unnecessary stress to your budget.

We’re happy to help by providing finance options to our customers. If setting up a monthly payment plan is the difference between you hitting the trails on a new set of wheels or sitting at home on the couch, we’ll be thrilled to help you get out and ride.

Farewell to the Trek Credit Card

Trek credit card

We’re excited to announce a change to our financing options.  

As of December 7th, 2021, the Trek Credit Card program has ended. It was a convenient way to make smaller monthly payments, but we have replaced it with a new option to get the bike of your dreams, Klarna. Existing card members will receive additional information about what this change means for your account.

Check out the benefits of Klarna and see for yourself why pay later shopping might be right for your next bike purchase.

How does Klarna work?

Pay later shopping

Klarna gives you access to simple payment and financing options, allowing you to find the bike you want, get out and ride today, and split the cost over time. Klarna offers no interest plans on their simple payment plans and a credit option through partnership with WebBank for applicable bike purchases. These financing options are great for any of our bike brands, including Trek bikes.

Pay in 4

Split the cost of your bike into 4 interest-free payments, paid every 2 weeks. No interest. No catch. Just more time to pay for the bike you love. 

  • Uses soft credit check
  • No impact on credit score
  • Auto payments are scheduled at checkout
  • No fees if payments are made on time

Pay in 30 days

Start enjoying your new ride right away. Make payments online or in the Klarna app after putting the rubber on the road. No interest and only pay for the bike if you choose to keep it. 

  • Uses soft credit check
  • No impact on credit score
  • Payment is automatically collected after 30 days from your debit or credit card
  • No fees if payments are made on time

Monthly financing

Klarna's transparent credit options offered in partnership with WebBank, member FDIC, give you flexible financing you need to seamlessly shop for your bike. 

  • Term-loan or tailored financing options
  • Hard credit check required for tailored financing
  • Down payments may be required for term-loan option

The Klarna Experience

Get link and apply

You receive the link via text message to enter the Klarna checkout, complete the application, and review available payment options.


You review and confirm your payment plan with Klarna. Note payment schedule before confirmation to avoid late fees.


You complete your purchase and get to enjoying your new bike.

Klarna Financing Experience