Finance Options

Flexible Finance Options for Your Dream Bike

At CycleWorx, we believe everyone deserves to ride the bike they love. That's why we've partnered with Finance Now to offer flexible payment solutions that fit your budget - whether you're after a new road bike, e-bike, or premium cycling gear.

Finance Now Personal Loans

Spread the cost of your purchase with a personal loan

Key Benefits:

  • Borrow from $1,000 to $70,000 – perfect for bikes, e-bikes, and accessories
  • Flexible loan terms from 6 months to 5 years
  • Quick online application with instant decisions in most cases
  • No early repayment fees – pay off your loan faster without penalty
  • Fixed interest rates – know exactly what you'll pay each month
  • 100% online process – apply from home or in-store

How It Works:

  1. Choose your bike – browse our range online or visit us in-store
  2. Apply online – complete a simple application at Finance Now
  3. Get approved – receive an instant decision (subject to credit approval)
  4. Ride away – collect your bike and start your cycling journey

                                 

Apply for a Personal Loan →

Finance Now Purple Visa Card

Enjoy interest-free periods and ongoing rewards with the Purple Visa.

Key Benefits:

  • Up to 60 months interest-free on purchases over $250 (terms apply)
  • Ongoing interest-free options – choose 3, 6, or 12-month plans when applying
  • Accepted nationwide – use your Purple Visa anywhere Visa is accepted
  • Manage online – track spending and payments via the Finance Now app
  • No annual fee for the first year
  • Flexible credit limits from $1,000 to $15,000

 

             

Apply for Purple Visa →

Bike to Work Scheme

Save up to 39% on your new bike through your employer's Bike to Work programme.

If your employer offers a Bike to Work scheme, you can salary-sacrifice the cost of your bike and accessories, reducing your taxable income and saving significantly on your purchase.

Benefits:

  • Tax savings – pay for your bike from pre-tax salary
  • Healthier commute – improve fitness and reduce carbon footprint
  • Employer support – many NZ employers now offer this benefit
  • Full range eligible – choose from our entire bike and accessory collection

Learn More

 

Learn more about Bike to Work →

Why Finance with CycleWorx?

  • Expert guidance – our team will help you choose the right finance option
  • Trusted partners – Finance Now is a leading NZ finance provider
  • Transparent terms – no hidden fees or surprises
  • Fast approval – get riding sooner with quick decisions
  • Flexible solutions – options for every budget and situation

Need Help Choosing the Right Finance Option?

Our team is here to help you find the perfect finance solution for your new bike.

Get in Touch

📞 Phone: 07 218 0691

✉️ Email: info@cycleworx.co.nz

🕒 Hours: Mon-Fri 9am-5pm, Sat 9am-4pm, Sun 9am-3pm

Frequently Asked Questions

How quickly can I get approved for finance?

Most Finance applications receive an instant decision online. In some cases, additional verification may be required, which typically takes 1-2 business days. Once approved, you can collect your bike immediately or arrange delivery.

What do I need to apply for Finance Now?

You'll need to be a New Zealand resident, over 18 years old, and have a regular income. You'll also need valid ID (driver's licence or passport), proof of income, and your bank account details. The online application takes around 10 minutes to complete.

Can I pay off my Finance Now loan early without penalty?

Yes! Finance Now personal loans have no early repayment fees. If you want to pay off your loan faster, you can make extra payments or pay the full balance at any time without incurring additional charges.

What's the difference between a personal loan and the Purple Visa card?

A personal loan is ideal for a single larger purchase (like a new bike) with fixed monthly payments over a set term. The Purple Visa is a revolving credit card that offers interest-free periods on purchases over $250 or any purchase interest free as long as it is paid within 55 days and can be used for multiple purchases over time. Choose a personal loan for one-off purchases, or Purple Visa for ongoing flexibility.

Can I combine finance options with the Bike to Work scheme?

The Bike to Work scheme is a salary-sacrifice arrangement through your employer and operates separately from Finance Now products. However, if your employer doesn't offer Bike to Work, Finance Now personal loans or Purple Visa are excellent alternatives. Our team can help you determine which option saves you the most money based on your situation.