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.
NOW Visa Card
Enjoy interest-free periods and ongoing rewards with the NOW Visa Card.
- Long-term interest-free options* – choose from 3 months right up to 36 month interest-free plans when applying
- Accepted nationwide – use your NOW Visa Card anywhere Visa is accepted*
- Manage online – track spending and payments via the eMoney app
- No annual fee for the first year
- Flexible credit limits from $1,500 to $15,000
*NOW Rewards Visa terms and conditions, credit criteria, rates and fees (including a one-off $55 establishment fee and a $34 account fee charged 6-monthly) apply. Purchase interest rate of 26.65% p.a. applies to the outstanding balance after interest free term ends. Cash advance interest rate of 29.40% p.a. applies. Rates and fees are subject to change. NOW Dollars can be redeemed at Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free purchases. Visit NOWvisa.co.nz for more information.
Minimum monthly payments (3% of the outstanding balance or $20, whichever is the greater) and any charges eligible for deferred payment will not apply until expiry of any Deferred Payment Plan but must be made during the Interest Free Term. If you make only the minimum monthly payment, you may not pay off your purchase before the expiry of the Interest Free Term. So, if you can, always pay more than the minimum amount due. Visit NOWvisa.co.nz for more information.
Finance Now
Spread the cost of your purchase with a loan from Finance Now
- Borrow from $1,000 to $20,000 – perfect for bikes, e-bikes, and accessories
- Flexible loan terms from 6 months to 60 months
- Quick online application with quick turnarounds*
- Fixed interest rates – know exactly what you'll pay each month
- 100% online process – apply from home or in-store
*Finance Now normal lending criteria and loan terms apply. Loan applications are subject to responsible lending enquiries. Retail Finance Interest Rates are 15.5% p.a. and fees (includes a $2.95 monthly service fee and a $65 establishment fee apply.). Full disclosure of all the terms of your loan (including weekly payments, the total amount repayable over the term of the loan, interest rate and any applicable fees) will be provided to you in the Finance Now disclosure statement for your consideration prior to confirmation of your purchase.
How Finance Now Works
Choose your bike browse our range online or visit us in-store
Apply online complete a simple application
Get approved subject to credit approval*
Ride away collect your bike and start your cycling journey
Bike to Work Scheme
Save up to 63% 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.
- Tax savingspay for your bike from pre-tax salary
- Healthier commuteimprove fitness and reduce carbon footprint
- Employer supportmany NZ employers now offer this benefit
- Full range eligiblechoose from our entire bike and accessory collection
Frequently Asked Questions
How quickly can I get approved for finance with Finance Now?
Most applications receive a quick decision online. In some cases, additional verification may be required, which typically takes 1-2 business days. Once approved, you can collect your bike once it is ready 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 you can, but please contact Finance Now to understand if there are any fees involved in this process.
What's the difference between Finance Now Finance and the NOW Visa Card?
Finance is ideal for a single larger purchase (like a new bike) with fixed monthly payments over a set term. The NOW Visa Card is ideal for everyday purchases, earning rewards everywhere you shop, but you also have the option of long-term interest-free finance.
A loan for one-off purchases, or NOW Visa Card 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 loans or NOW Visa Card are excellent alternatives. Our team can help you determine which option saves you the most money based on your situation.
Can I use the welcome 10% discount or any other discounts?
With any of our finance offers, you are not able to combine it with either the 10% discount or any other discount options
Need Help Choosing the Right Finance Option?
Our team is here to help you find the perfect finance solution for your new bike.
- Choosing a selection results in a full page refresh.
- Opens in a new window.