0% interest.

(on up to 12 months)

Buy and receive your purchase right away, and pay for it over several months.

Split the price of your purchase into fixed payment amounts that fit your monthly budget.

If Affirm approves your loan, you’ll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.

The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you’re approved for, the interest rate, and the number of months that you have to pay off your loan — all within seconds.

You don’t need a credit card to make a purchase. Affirm lends to us directly on your behalf.

Affirms offers up to 36-month payment programs at a rate between 0–30% APR based on customers’ credit. With no fees or compounding interest, what you see is what you pay.

You may be eligible for Affirm financing even if you don’t have an extensive credit history. Affirm bases its loan decision not only on your credit score but also on several other data points about you.

After your purchase, you’ll receive monthly email and SMS reminders about your upcoming payments. Your first monthly payment is due 30 days from the date that we processes your order.

Affirm doesn’t charge late fees. Even so, partial payments or late payments may hurt your credit score or your chances of getting another loan.

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Affirm Financing FAQ


 

Affirm is currently available only in US.

 

Who is Affirm?

Affirm is a Buy Now, Play Later (BNPL) financial services tool that allows consumers to purchase goods and services with full transparency and with no hidden fees that are associated with traditional loans.

 

What is required to have an Affirm account?

To sign up for Affirm, you must:

  • Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
  • Provide a valid U.S. or APO/FPO/DPO home address.
  • Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
  • Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.

 

How does Affirm work?

The Affirm loan-application process steps are the following:

  • At checkout, choose ‘Pay with Affirm’.
  • Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.
  • To ensure that you’re the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
  • Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you’re approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over up to 36 months depending on the cart size. Affirm states the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
  • To accept Affirm’s financing offer, click Confirm Loan and you’re done.

 

What are Affirm’s fees?

The annual percentage rate (APR) on an Affirm loan ranges from 0% to 30%. Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees. Please see specific details below:

Cart Size Customer APR
$1000-1499.99 0% APR on 3 and 6 months, 10-30% APR on 12
$1500-2999.99 0% APR on 6 and 12 months, 10-30% APR on 18
$3000+ 0% APR on 6 and 12 months, 10-30% APR on 36

Please note that the cart thresholds are subject to change at Affirm’s discretion, as they continue to optimize these programs for us and our costumers. Some customers may not qualify for the 0% APR financing, in which case they will be offered 10-30% APR instead.

 

How does Affirm approve borrowers for loans?

Affirm asks for a few pieces of personal information: name, email address, mobile phone number, date of birth, and the last four digits of your social security number. It verifies your identity with this information and makes an instant loan decision. It bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don’t have an extensive credit history.

 

Will Affirm affect my credit score?

Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you’ve used, and how long you’ve had credit. Paying on time can help you build a positive credit history.

 

Why was I denied financing by Affirm?

We have no information regarding a customer’s financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn’t able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately Affirm’s decision is final.

 

Why was I asked to verify my identity?

If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID. Affirm takes these steps in some cases to counter fraud and provide the most accurate credit decision they can.

 

Why was I prompted to enter my income?

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. Your income gives Affirm additional insight into your ability to repay.

 

Why was I prompted for my checking account?

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. If you are prompted to link your checking account and would like to proceed, please provide the login information for your online bank account. Affirm does not store your online login credentials — they are transmitted securely to your bank. If Affirm asks you to link your checking account, Affirm won’t be able to offer you credit if:

  • Your bank is not listed
  • You choose not to link your checking account
  • You don’t use online banking
  • The username and / or password you provide is incorrect
  • You’re unable to successfully connect your checking account

 

Why is my bank not listed?

Although Affirm is continually adding support for additional banks, they aren’t able to connect to every bank at the present time. We apologize for the inconvenience. If you’re unable to connect your bank, you’ll need to complete your purchase with another payment method.

 

Why was I prompted for a down payment?

Affirm isn’t always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can’t be changed and must be made upon confirming your loan and before the loan offer expires.

 

How do I make my payments?

Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don’t risk missing a payment. Follow these steps to make a payment:

  • Go to www.affirm.com/account.
  • Enter your mobile phone number. Affirm sends a personalized security PIN to your phone.
  • Enter this security PIN into the form on the next page and click Sign in.
  • After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make.
  • Make a payment using a debit card or ACH bank transfer.

 

What happens if I make a late payment?

If you’re going to be late on a payment, please sign in to your Affirm account today and schedule a payment as soon as possible. We don’t charge late fees. Even so, partial payments or late payments may hurt your credit score or your chances of getting another loan with us. After you schedule a payment, we’ll continue sending reminders by email and text message until any remaining balance is settled, but you won’t receive calls about your loan.

 

If I return an item, how do refunds work?

A refund posts to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you are still responsible for paying off your Affirm loan. If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.

 

How long does it take to get my money back in the event of a return?

A refund credit appears in your account within three to ten business days, depending on your bank’s processing time.

 

Can I amend my order after my purchase has been processed? Can I be approved for a higher loan amount if my purchase amount increases?

You cannot edit your order after you have confirmed your loan. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method.

 

Am I able to obtain a refund after my purchase?

Refunds can be processed up to 365 days from the date your order is placed.

 

I still have questions regarding payment.

Visit Affirm Help Center​ for a full list of FAQ’s and contact options.

Visit a local dealer

Protect your ride with the most in-depth service plan the e-bike industry has to offer.

The plan covers your bike for all its annual milestone services which are essential for preventing the impacts of wear and tear from daily usage. All services are completed at our global Service Hubs by our expert Gocycle technicians who will ensure your bike leaves operating at its peak performance. You can pay on a monthly basis with a 12-month minimum commitment or pay annually at a 10% discount.

Annual Service

All milestone servicing costs for the year included.

Priority Service

7-day fast track on annual service and repairs outside of the plan.

Minor Parts Replacement

Free of charge replacement of selected minor wear parts.

Exclusive Οffers

5% discount on parts and repairs outside of warranty.

Valet Clean

Full clean at each service.

Free Firmware Updates

All firmware and system updates included as standard.

terms & conditions

Gocycle Premium Service Plan Overview

 

Within two years of the original purchase of a new Gocycle, you may purchase and subscribe to a Gocycle Service Plan, which covers Servicing of your Gocycle for the purpose of preventative maintenance caused by normal usage of your bike as described in more detail below. A Gocycle Service Plan does not cover damage to your Gocycle related to crashes or theft, misuse, vandalism, or any other damage to your bike caused by you or others. By subscribing to this service, you may book service appointments, aligned to the Service Intervals described below, within the period in which the Subscription is live, as long as the Service Interval milestones have been reached. These Terms and Conditions apply to Gocycle Service Plan purchasers, and do not supersede or take the place of any of the General Terms & Conditions.

 

What is Included in the Plan

 

  • Fast-Lane Servicing with a Service Turnaround from point of Arrival at one of our Gocycle Servicing Hubs to time of Shipping from one of our hubs of 7 Calendar days (Public Holidays not included) – If you would like to collect from us then that can also be arranged
    • If we fail to meet the servicing turnaround time for any reason we will refund 1 month of value of the Servicing plan: 30(£/€/$)
  • A full external and internal visual inspection of the Gocycle, with a thorough diagnostic review inside-and-out, including the Clean Drive
  • A Scaling in-depth Servicing process which matches usage and timeline of the Gocycle being owned, becoming more detailed and reflective of the needs of you and your Gocycle as you add Miles and Time goes by
  • Firmware Updates and System Updates are included as standard
  • Replacement of all effected Warranty parts as would be expected
  • A 5% discount on any parts needing to be replaced that are outside of Warranty – or that are not included in Warranty as standard
  • Valet Cleaning at each Service, maintaining a high quality look and feel 
  • Free of Charge Replacement of minor wear parts such as Brake Pads, plus a Brake Diagnosis and Brake-Line fluid replacement to maintain that highest standard of responsiveness at every service, Suspension Elastomer checks and replacements from Service 2 Onwards, and Kickstand Ball Replacements from Service 3 Onwards (For all of these free of charge replacements – only applicable if deemed as required by our Expert Servicing Technicians)

 

Who can Take Advantage of this Plan

 

A Gocycle Service Plan is available to anyone buying a Gocycle new from our web store, and any existing customer who has purchased a Gocycle as New within the last 2 years, whether it be direct from Gocycle or from an Approved 3rd Party Supplier. The plan will be available to purchase at point of Sale of a new Gocycle through our web store, or it is able to be added from our Servicing Plan web page.

The plan sign-up is for a minimum 12 month period. Any future exclusive offers or opportunities that apply to multiple years of holding a Servicing Plan will only be applicable based on a plan being held continuously for the period specified. Any stoppage of the plan after a year resets the next time a plan is set-up to Year 1.

If you are purchasing a used Gocycle, and that Gocycle has been under a Gocycle Service Plan, you may contact Gocycle to determine if the Gocycle is still eligible for a Gocycle Service Plan with a new owner. If the Gocycle has been well-maintained from the perspective of our service records, Gocycle will permit the continuation of a Gocycle Service Plan with a new owner . If eligible, You must purchase a service plan within 30 days of registering your ownership on the Gocycle Connect App.

 

Not Included in the Plan

 

The Gocycle Service Plan does not include repairs or replacement of any parts or accessories, regardless of if they are in or out of Warranty, if the need for repair or replacement is due to:

Any damage incurred from flat or punctured tires, accidents or incidents, vandalism, submersion in water, or damage by You or any other party, general repair or replacement of parts that fall out of the warranty period, or shipping costs to and from service locations.

Malfunctions from Software misuse, third party applications, any virus or malware, whether or not this was downloaded by You or any third party.

The use of, or installation of, any other non-OEM original Gocycle parts/accessories;

Routine servicing or repairs by anyone not authorized by Gocycle

Costs suffered by You as a result of not being able to use the bicycle, or any costs other than the replacement of the bicycle.

Gocycle Engineering Service Technicians reserve the right to define what work and parts need replacing during Servicing.

Gocycle reserves the right to define which maintenance checks which can be conducted by the Customer themselves outside of this plan. In the event of any self-maintenance, the Customer agrees to use original Gocycle parts during any maintenance completed as to avoid not being entitled to the benefits of the Gocycle Service. If the Customer is not able to prove the maintenance has been performed or any damage is incurred due to the use of non-approved Gocycle parts or accessories, Gocycle reserves the right to refuse to honour the plan, and invoice the Customer for the costs incurred by Gocycle as a result of the incorrect maintenance.

Fair-use of the Product is detailed in the General Terms & Conditions.

 

Where is the Plan Available

 

Anywhere globally – Shipping arrangements and costs are the customers responsibility, unless stated otherwise, including any Duties or VAT applicable

The Gocycle Service Plan is Linked to the Frame Number of your Gocycle and is applicable to that Gocycle only.

 

Purchasing the Plan

 

In order to use this Gocycle Service Plan, You will need to purchase the plan from the Web Store, and establish and maintain an Account in the Gocycle Support system. To be able to offer You the Gocycle Service Plan, we need to process personal data as detailed in the General Terms and Conditions, or as noted the Gocycle Terms of Sale (https://gocycle.com/terms-of-sale/).

 

Servicing Locations and the Purchase Relationship

 

The Gocycle Service Plan is purchased in a direct relationship with Gocycle, and the Services covered under the plan are not able to be completed via Customer Self-Maintenance or via any Reseller. The Service can only be completed at a Gocycle location, at pre-determined Gocycle Service Intervals. For servicing and shipping purposes Gocycle currently has direct Servicing Hubs in the following locations which can complete this Service:

Chessington, UK

Amsterdam, NL

Amherst, NH, USA

Wayzata, MN, USA

The customer is free to ship to any of these locations, at their own cost, from anywhere globally. All shipping arrangements and costs, including any Duties and Taxes, are the responsibility of the Customer unless explicitly stated otherwise.

 

When are my Service Intervals Due

 

Annually or every 2,000miles (3,200km) – whichever comes first, but for no extra cost should you be a super-user needing more than one service annually.

 

Service Intervals Included in the Plan

 

Initial Service: The 100 Mile Service, if brought in directly to Gocycle – However, this Service Interval is also able to be completed by a Gocycle Approved Reseller at any cost to the customer this incurs, and undertaking this Service by any means outside of Gocycle will not impact the continuation of this plan

“Annual” Service Interval: 1 Service for every Year the Gocycle has been owned OR* every 2,000 miles (3,200km) of usage of the Gocycle as recorded via Your Gocycle's internal system and proven to Gocycle via a Log Upload from the Gocycle app.

 

Service Intervals Not Included in the Plan

 

500 Mile Visual Inspection   

Also not included: Any other General Repairs which occur outside of the agreed Service Intervals incurred for any reason.

 

The Servicing & Maintenance Activities Included in the Plan

 

Overview of General Activities Completed by the Gocycle Engineering Service Technician as part of the Service being Completed at each Service Interval - the example below is as of the Gocycle Premium Service Plan:

Service 1 – 1 Year / 2,000Miles (3,200km):

  • Full Visual Inspection
  • Hub Cones, Bearings & Wheels Check
  • Full Cleandrive Internal Inspection
  • Chain & Cable Checks
  • Torque Checks
  • All Brake Pads Replaced
  • Pedal Movement Check
  • Latch & Kickstand Check
  • Handlebar and Grip Check
  • Brake Bleed & Fluid Change
  • Rectification of any items Warranty
  • Report on any other items
  • All Tech Bulletin Items Rectified
  • Firmware Update

Service 2 – 2 Year / 4,000Miles (6,400km):

  • All Service 1 Activities +
  • Inspect Rear Hub Bearings
  • Replace Suspension Elastomer
  • Kickstand Adjustment
  • Gearbox Grease Replacement
  • Detailed Motor Drive Bearings Inspection
  • In-Depth Wheel Detail Inspection for any cracks or damages
  • Firmware Update

Service 3 – 3 Year / 6,000Miles (8,600km):

  • All Service 1 & 2 Activities +
  • Battery Discharge Check
  • Frame Hinge Bushes Inspected
  • Hold Pins inspected
  • Stem Adjuster Bushes Inspected
  • Kickstand Ball Replacement

Service 4 – 4 Year / 8,000Miles (10,800km):

  • All Service 1, 2 & 3 Activities +
  • Headset Bearing Inspection
  • O-Rings on Brakes Replaced
  • O-Rings on Calipers Replaced
  • Brake Levers Replaced

Service 5 – 5 Year / 10,000Miles (13,000km) Onwards:

  • All Service 1, 2, 3 & 4 Activities +
  • Full in-depth battery check and testing – consultation on Battery Replacement options
  • Front Disk Replacement

 

Priority Servicing & Repair

 

Whilst a Gocycle Service Plan is live Gocycle endeavours to complete the Servicing of your Gocycle, at the Service Intervals described, within 7 Calendar Days of the Gocycle Arriving at the Gocycle Servicing Hub. The day of Arrival is classified as Day 0, and then the Gocycle must be shipped, or Ready for Collection, on or before Day 7 from the day of Arrival. Should Gocycle fail to meet this timeline, due to reasons internal to Gocycle and outside of the control of the customer, Gocycle will refund 1 months value of the Gocycle Service Plan back to the Customer at the retail Subscription value of 1 month. This is not applicable if the ability to complete the Servicing within this timeline is impacted by activities within the Customers control, for example, including but not limited to, not responding to, or delaying via not directly answering queries from the Gocycle team, not responding to or delaying the arrangements for the approval of non-Warranty repairs, or shipping or collection of the Gocycle, not responding to or delaying payment of approved repairs due to Gocycle in order to complete any required repairs on the Gocycle.       

If your Gocycle needs to return to a Gocycle Service Hub for any repairs outside of the standard Service Intervals detailed, then Gocycle will also endeavour to prioritize any Customers Gocycle who is on the Gocycle Service Plan, meaning that the Gocycle will jump the queue into a Priority Queue with other Plan users, and Gocycle will apply the 7 day timeline to these repairs also. In these instances Gocycle will inform the customer if it is not possible to meet the 7 Calendar Day timeline due to the level of repair being outside of the possibility of meeting this timeline for any reason, and therefore will not then refund a month of subscription costs if the timeline is not met. If Gocycle fails to inform the Customer of it not being possible for the timeline to be met, and the repair then takes longer than 7 days, Gocycle will refund 1 months value of the Gocycle Service Plan back to the Customer at the retail Subscription value of 1 month.

 

Booking An Appointment

 

You book a Service Interval appointment via the Gocycle Support pages accessed via the Gocycle Website Support pages (https://gocycle.zendesk.com/hc/), by contacting Gocycle’s Customer Service Team and requesting the desired date of the Servicing appointment. Once the time and date is agreed, the Customer will then be responsible for shipping the Gocycle to, and from, the nearest Gocycle location for the Service to be completed.

 

Assignment & Use of the Plan

 

The Gocycle Service Plan is linked to the Frame Number (Serial Number) of your Gocycle product, and cannot be used for any other Gocycle than the one the Gocycle Service Plan you have purchased is linked to. You may not use any other Gocycle Service Plan, permit anyone else to use Your Gocycle Service Plan, or assign or otherwise transfer any right You have under Your Gocycle Service Plan to any other person or entity.

Gocycle may permanently or temporarily terminate, suspend, or otherwise refuse to provide Gocycle Service Plan services to you for good cause, including if Gocycle determines that you violated any provision of these Terms and Conditions or if you misuse the services, the Gocycle, or any other product. In such case, Gocycle will promptly provide notice of suspension or termination to you.

 

Subscriptions

 

The Gocycle Service Plan is a one-year subscription, and you are billed annually or monthly dependent on which plan payment method You have selected. Initially the subscription will be automatically renewed for successive one-year periods except if you terminate it by sending a termination notice by e-mail not later than 7 calendar days before the date reached exactly 12 calendar months from the purchase of the subscription. Provided you have not yet benefited from the services, you may cancel your subscription within 14 days following your enrolment in the Gocycle Service Plan by notifying Gocycle in writing by email or via the Gocycle Support system.

Prices are Monthly for a Minimum 12 Month Term

The Annual payment option is one time at point of plan purchase or renewal only, and are discounted at the rates shown on the Web Store

These Terms & Conditions do not override or replace any of the standard Product Terms and Conditions which can be found online and in your owners manual.