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Ride Now. Pay Later.

With special financing at Bike N Gear, a fantastic new bicycle is within your reach. Increase your buying power, and take home a new bike and some gear today! 

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.

We also offer free layaways, welcome trade-ins, and give free adjustments for life!

Specialized S-Card

The S-Card offers a line of financing so you can buy the bike of your dreams with minimum monthly payments. Take advantage of current promotions and select the special financing that meets your needs. 
  • Simple application process 
  • Fast credit decisions
  • Exclusive Specialized promotions
  • Low minimum monthly payments
  • Convenient online bill pay