Ray Electric Bikes sells financing to riders across the United States, shipped from our store in Irvine, California. Below you will find clear, practical guidance on financing.
Financing is available on every electric bike we sell at Ray Electric Bikes. Below you can see how financing works, who qualifies and what it costs.
Financing Information
Pay over time
Financing lets you spread the cost of a bike over monthly payments rather than paying the full amount up front. It is provided by an approved third-party finance company, not by Ray Electric Bikes.
How it works
- Add the bike and any accessories to your cart.
- Choose the financing option at checkout.
- Complete the provider’s short application.
- If approved, your order is placed and shipped in the normal way; you pay the provider monthly.
Important
- Approval, credit limit, interest rate and term are decided by the finance provider, not by us.
- Prequalification may use a soft credit check; a full application may involve a hard check. The provider will tell you which.
- Your agreement is with the provider, and their terms, privacy policy and complaints process apply.
- Missed payments may incur fees and affect your credit record.
- We cannot advise on whether financing is right for you, and we cannot influence a decision.
Refunds on financed orders are returned to the finance agreement rather than paid to you directly. See our Return and Refund Policy.
Financing from Ray Electric Bikes
Ray Electric Bikes LLC is a family-run store in Irvine, California. We sell financing to riders across the United States. Because we check every build by hand, you get a bike that is ready to ride. Also, every order keeps its full manufacturer warranty.
Talk to a real person about financing
First, tell us how far you ride each day. Then we suggest financing that suit your route, your budget and your storage space. Finally, we confirm delivery timing before you pay. You can also browse our full range, the brands we stock and our buying guide.
Ride safely and charge safely
Always wear a helmet and follow your state and local rules. In addition, charge indoors with the charger supplied. For general rider guidance we follow the CPSC bicycle safety guidance. Therefore our advice matches national safety standards.
Contact us about financing
Call +1 213-657-0405 or email Info@rayelectricbikes.com. Visit us at 3800 Barranca Parkway, Suite J, Irvine, CA 92606. We answer every question about financing, before and after you buy.
