Any bike purchase at Warm Planet is eligible for financing.

We offer 6-month, 9-month, and 12-month same as cash terms. This means that if you pay off the entire amount within the term, you pay zero interest and no fees; exactly the same amount as if you paid cash at time of purchase, you just get to do it over time.

Monthly payment estimator
6 Months
9 Months
12 Months

Why credit is a good financial decision
A bike is a big purchase, but its also a practical choice as a car replacement, and cars are expensive. The AAA estimates that owning a car costs about $8,700 per year. Ditch yours for a bike, and in five years, that’s college tuition* for one of your children already in the bank. It’s a rational choice that can fit into almost any budget.

Annual cost savings: car vs bike
You have saved:$4,200$12,800$21,300$29,800$38,300
Year 1Year 2Year 3Year 4Year 5
Car cost$8,700$8,700$8,700$8,700$8,700
Bike cost$4,500$100$200$200$200

If you’re getting rid of a car, or making the decision not to buy one, we can help.

How financing can help you establish credit
Many people are leery of taking on debt. This is a good and responsible attitude if you end up paying interest on non-essential purchases, but credit is a tool like any other, and used wisely, can be beneficial. Nobody pays cash for a house, and the better your credit, the easier it is to negotiate a a good mortgage agreement.

If you can establish a credit history without paying interest, you’re preparing for the future. If you know that you can budget the payments on a new bike, and the bike itself saves you money, either by eliminating car payments, or just by making it easier to stay out of cabs and go to the cheaper stores, it’s worth it.

The boilerplate
Financing is through a third party credit card.
The customer must make at least minimum monthly payments. Note: making only minimum monthly payments may or may not pay off the promotional purchase by the end of the promotional period. This means in order to pay the promotion in full before the end of the promotional period, the cardholder may need to pay more than the minimum monthly payments.
Interest accrues during the promotional period. To avoid paying the accrued interest, the entire promotional purchase balance must be paid in full by the end of the promotional period.
If balance is not paid in full within the promotional period, the accrued interest is added to the account balance, and the balance will continue to bill interest at the account level Annual Percentage Rate until the balance is paid in full.
Fees may be charged for late payments.

*currently $5,472 annually at CSU