Payment
Financing Information
REQUIRED BEFORE LAUNCH: Name the approved financing provider, add the prequalification link, and state the APR range, term lengths and eligibility criteria exactly as the provider publishes them. Do not publish any rate or term the provider has not confirmed.
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.