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Less Stress


  • Get No Interest if paid in full in 6 months on purchases of $99 or more when you check out with PayPal Credit.
  • Interest will be charged to your account from the purchase date if the balance is not paid in full within the promotional period. Minimum monthly payments required.
  • Subject to credit approval. 


Whether you are purchasing a new bike, equipment or both, you can get everything you want faster and easier with S-Card. Take advantage of current promotions and select the special financing that meets your needs.

  • Simple in-store application process
  • Fast credit decisions
  • Exclusive Specialized promotions
  • 6 or 12 month Deferred Interest Plans
  • Low minimum monthly payments
  • Convenient online bill pay

Come in to any one of our four locations to apply today! 


  • Bingham Cyclery can offer up to Six Months “No Interest” as per RC Willey.
  • Must verify two forms of customer identification with all RC Willey transactions ie. you must be the account holder to use this financing at Bingham Cyclery.
  • RC Willey can be used to pay-off a layaway or special order but cannot be used for initial deposit, the product must leave the store as RC Willey credit is used.
  • Minimum amount for Six Month No interest is $300 as per RC Willey. Minimum amount for financing is $100 as per Bingham Cyclery.
  • Please click here to look further into the benefits of this RC Willey financing opportunity. 

To save a little time when you come in to purchase your new ride fill out the RC Willey application here and bring a printed copy of your confirmation info with you.


We do offer a short-term layaway option for customers as well. 

  • 20% down ($100 minimum)
  • Must be paid in full within 90 days.
  • Receipts without payment in 6 months forfeit down payment.
  • 10% of totals sales on cancelled layaways (excluding tax)