Whether you're buying an electric cargo bike or an innertube, Perennial Cycle offers several ways to make payment.

Visa, MasterCard, American Express and Discover are always available in the store and on our website.
While this is the most common payment method, it is not the only option. Best practice would be to pay your card balance in full by it's due date. If making a large purchase in which you'll need more time to pay, you'll want to read about the options below.

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We are happy to provide a few alternatives to paying the total price on the day you purchase your bike:

PayPal and Affirm are available through our website. These payment options offer pay-later terms. Their application process happens immediately upon checking out on our website. Both PayPal Pay-Later and Affirm are great options, provided they offer you an interest free payment period. Neither Affirm or Paypal Pay-Later are great options if you need to go beyond the interest free payment period. Expect to be paying 20%+ interest if you go beyond their interest free period.
Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

If you are looking to spread your payments over a longer payment period, talk to your personal credit union or bank to see if they have a loan that works for you.
Also, there are a variety of places online to study (and apply) for personal loans. Nerdwallet, The Motley Fool and CreditKarma are a few financial resources that we have used.