ride now, pay later

Financing options


Need a new bike or gear now, but prefer to stretch out the payments over time?

You’re in luck, as Contender has multiple financing options, making it easier than ever to pull the trigger on your dream purchase. With Synchrony or Klarna, cyclists can spread the cost of larger purchases over time, with manageable monthly payments. Get the gear you need, without breaking the bank!

What is Synchrony? Buy Now, Pay Over Time

New to Contender–in-shop and online–is Synchrony, a highly regarded online provider that offers easy financing for bikes and gear–no annual fees, low monthly payments, and up to 12 months of interest-free financing. With Synchrony, it’s easier than ever to upgrade your bike, kit, or gear–at any skill level.

What Are the Benefits of Buying With Synchrony?

  • Easy and Fast Application: most applications take just a few minutes to complete; cyclists can apply online or in-store, and credit decisions are delivered almost immediately.

  • Zero or Limited Fees: no annual fees, 0% interest if paid in full within 12 months.

  • Flexible Payment Options: ability to stretch payments into ‘bite-sized’ amounts, over 6-12 months, reducing the burden of larger purchases; ability to revolve or increase credit lines, to accommodate future purchases.

  • Trusted Provider: backed by secure technology and featuring $0 fraud liability, Synchrony is a well-established financial provider used by millions of consumers and thousands of retailers across the U.S.

  • Simple, User Friendly Platform: either online or via the MySynchrony Mobile App, cyclists have 24/7, secure access to their account, including the ability to view statements–or to set up autopay or recurring alerts.

How does it work?

  1. Explore Contenderbicycles.com, choosing your preferred bike, clothing, or accessories.

  2. On the product page, review payment plan options by clicking “Learn how” under the product price. Or on the checkout page, scroll down to the Payment section and select “Synchrony Financing–Pay Over Time.”

  3. Complete the form to qualify for financing. Note: as part of this process, Synchrony will complete a “soft credit check,” which will not impact your credit score.

  4. Use your temporary account number to finalize your purchase, selecting a 6- or 12-month payment plan.

 

Note: for in-store shopping, simply let your Contender staff member know you’d like to explore Synchrony upon checkout.

Where Do I Make Payments?

Monthly payments are quick and easy, completed online or via the MySynchrony Mobile App. More information can also be found on the Synchrony website, by scrolling down to the FAQ section.

What Other Financing Options Does Contender Offer?

In addition to Synchrony, Contender is also pleased to offer Klarna for flexible payment plans, further enabling cyclists to buy now–and pay later. More commonly used for smaller purchases, Klarna affords cyclists the option to split purchases into 4 interest-free payments. If paid in full within 30 days or via 4 payments, there is 0% interest on the purchase.

To leverage Klarna, on the checkout page scroll down to the Payment section and select “Klarna–Flexible Payments.” From there, you will be taken to the Klarna website for credit approval, and to complete your purchase.