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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.  Handy Bikes has partnered with Synchrony Bank to offer deferred interest special financing plans, allowing you to ride now and pay later with ZERO PERCENT effective interest if you qualify.

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.

You need to follow this link to Synchrony Bank to learn more and do a soft-check preapproval, because it is tied to our store's info.  If you don't like clicking links to other sites, you can go to, but it will make the process overly complicated for all of us.  So just follow the link here :)  It will open in a new window.

Apply Online Now

Your Financing Options

  • 6 month deferred interest with $500 min purchase
  • 12 month deferred interest with $1000 min purchase
  • 24, 36, 48, and 60 month plans with 9.99% APR with $1999 min purchase

Your Financing Benefits

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

Payment calculator

How It Works

Your dream bike is just a few simple steps away.

1. Fill out this quick online credit application.

2. Visit Handy Bikes with your photo ID, a major credit card and your social security number (just the number, not the card) so we can legally release your funds to you.

3. Buy your dream bike.

4. Pay off your bike in affordable payments.

Apply Online Now

*Minimum monthly payment required. Interest will be charged to your account (at the standard, variable 25.24% 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.  All bike purchases over $399 qualify for 12 months of deferred interest financing.