Financing

Ride More. Stress Less.

Three Financing Options

In-Store Only

RC WILLEY FINANCING

You can use your existing RC Willey credit account at all Bingham Cyclery locations. If you do not have an account, please visit your nearest RC Willey location and apply for one or fill out the application here and bring a printed copy of your confirmation information with you.

  • 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 (i.e., 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 $300 as per Bingham Cyclery.
  • Subject to credit approval.
Learn More and Apply

RC Willey Account Disclosure Statement and Security Agreement Update

Effective May 1, 2025

Dear RC Willey Cardholder. Your Account Disclosure Statement and Security Agreement which governs the use of your RC Willey account, currently states, under “RC WILLEY REPAYMENT PLANS:, paragraph (c) PROMOTIONAL DEFERRED INTEREST, MINIMUM PAYMENT PLANS (NI) [OAC]: Minimum purchase required. RC Willey may charge an administrative fee, added to your purchase, each time you use Promotional Plan financing. These plans require minimum monthly payments.”

Effective May 1, 2025, as authorized in the agreement, RC Willey may charge a transaction fee for each purchase financed using our deferred interest (no Interest) promotional plans on your RC Willey credit account. If assessed, this fee will be added to the purchase ticket as a transaction fee of up to $25.00 per use. Please refer to the Transaction Fees box of the Interest and Interest Charges table in the new Disclosure Agreement.

You may access the full account disclosure by going to www.rcwilley.com/credit.

Easy. Convenient. Secure.

Synchrony Freedom to Ride Credit Card Program

Estimate Your Monthly Payments

Make the best decision on how to budget your purchase with Synchrony’s convenient payment calculator.

  • Choose to prequalify without impacting your credit bureau score or apply directly.
  • Subject to credit approval.
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Fine Print: Synchrony Freedom to Ride

  • No Interest if paid in full within 12 months: On purchases made with your Freedom to Ride Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 Months.
  • Minimum monthly payments required.
  • No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation.
  • Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance.
  • For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%.
  • Minimum Interest Charge is $2.
  • Existing cardholders: See your credit card agreement terms.
Apply here

Purchases over $199

Trek Financing

From premium bikes and e-bikes to helmets, racks, and accessories, Trek Financing helps make your purchase more manageable with convenient monthly payments. Apply online or from your phone and get on the road, trail, or path sooner.

Get More Info and Apply