Klarna Financing

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 Cult,animal and more from our website. 

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.

Review

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

Purchase

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

 

FREQUENTLY ASKED QUESTIONS

HOW DO I APPLY?

Simply put, put your items in your cart that are eligible for Klarna payments. When asked for payment at checkout, you will be offered an option to pay with Klarna. Enter your phone number, and you'll be redirected to Klarna to set up your payment plan. Once completed, you're ready to go.

Disclosure: Monthly financing through Klarna issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license.

ARE THERE LATE FEES?

A late fee could be charged based on late payment if 4 interest-free installments cannot be collected, or if monthly financing payment cannot be made on time. See Klarna's terms for more information.

CAN I GET HELP PLACING AN ORDER?

Just like anything else, we are happy to help. Give us a call during business hours, send us an email, or find us on social media any time.

WHAT IF I MAKE A RETURN?

When you make a return, a refund applicable to how much is owed to Klarna will be issued. Visit our Returns page to see more on returns.

HAVE MORE QUESTIONS ABOUT KLARNA?

Visit Klarna's website or download the app to learn more