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Financing Options

0% for 12 months or 14.99% for up to 5 years.
It’s your choice

How it works:

Our streamlined form should take you only a few minutes to complete, and your application may be instantly approved! If not, you will hear back from us within 2-3 business days. Once your financing is approved, we will process your order and get you on your way to riding the bike of your dreams. See below for more information and payment calculator.

Why choose a Variant loan over a paying with a credit card?

– Credit cards have steep penalties and
higher rates if delinquent.
– Credit cards typically offer no grace periods
for late payments.
– Credit card balances can lower credit scores
faster than installment debt.

Payment Calculator

We offer two easy financing options:

1st step is to read the disclaimer to the right, and click the “I accept” button. Then you will see the payment calculator and application.

  1. TRUE 0% APR* financing for 12 months –  select option “No Interest” $1000 minimum. * APR stands for annual percentage rate.
  2. 14.99% APR for up to 60 months – select Low Fixed-Rate Financing below and then pick the desired duration. $800 minimum. * APR stands for annual percentage rate.
  3. ***A deposit will be required for any custom bike (stock bikes excluded). The down payment can be refunded when the bike is ready to ship so that you can finance the entire cost of the bike, or you can simply finance the balance due.
  4. Used, Discounted, and clearance bikes or products do not qualify for financing.
  5. Great Loan Terms and Competitive Rates!
    – Competitive fixed loan terms with interest rate below most credit cards.
    – No prepayment penalties.
    – No penalty or default rates.
    – Generous grace periods for late payments
    True 0% financing available for 12 months
    – Pay no interest…EVER!
    – No penalty or accrued interest

Please take a moment to review our Privacy Policy and Internet Application Usage Disclosures and Security Policy, which govern the use of this page to apply for credit with First Mutual Financial, a Division of United Midwest Savings Bank. Please note that only US residents 18 years or older may apply for credit online. This credit application process and the disclosures herein are owned and maintained by First Mutual Financial.