Bicycle Finance & Layby

All finance options are subject to application criteria. Fees, terms, charges and conditions may apply. Discounted prices or special offers may not be available when using a finance option so it's best to contact your nearest store for more information.

At all of our locations, we offer a range of finance options to suit your needs and lifestyle. The list of finance options are below along with access to their product disclosure statements so you can choose the right option for you.

Zip Money »

A better way to pay, you fill out a simple application and can start shopping with no interest and no additional credit cards.

  • No deposit
  • Up to 12 months interest free
  • Up to $3000 credit
  • One off $25 sign-up fee on 12 month contracts only
  • Admin fee of $4.95 per month is payable only if balance is owing

Latitude Financial Services »

Buy now, pay later.

This plan doesn’t require customers to make any payments during the promotional period. However they can make payment at any time if they wish to do so. Plans start from 6 months. 

  • Pay no interest for 6 months
  • Minimum spend $250

*Approved customers. Monthly payments must be made during the promotional period. Interest and payments are payable after the interest free period expires. Paying only the minimum monthly payment will not pay out the purchase before the end of the plan. A $99 annual fee for Gem Visa applies. At the end of the plan, interest will be charged at 24.99%. This notice is given under the Gem Visa Conditions of Use (as applicable), which specify all other conditions for this offer. Also available to CreditLine, GO MasterCard and Buyer’s Edge customers. Other conditions, fees and charges apply, see relevant product websites for details. Credit is provided by Latitude Finance Australia (ABN 42 008 583 588), Australian Credit Licence number 392145.

99 Bikes Layby »

If one of the finance packages available doesn't suit you, we also offer in-store lay-by which is a great option for purchasing a new bike for Christmas.

  • 3 month terms
  • 20% deposit
  • No interest and no start-up fees apply
  • You can take your items once they're fully paid for