Affirm · Klarna · Afterpay · PayPal — all four at checkout
Electric scooter financing RIDE NOW PAY LATER
Split any electric scooter or electric bike into payments — four interest-free instalments over six weeks, or monthly plans out to 36 months. Checking what you qualify for is a soft credit check, so it will not affect your credit score, and you get an answer in about a minute.
- 4ways to pay over time
- 0%interest on Pay in 4
- 36months, longest plan
- 48states, free shipping
Run the numbers
What would it cost per month?
Set the price you have in mind, choose a provider and a plan length, and see the real payment. These are estimates built from each provider's published US terms — your actual rate comes from the provider when you apply at checkout.
Purchase price
Financing is capped at $5,000 per order. Above that, finance $5,000 and pay the balance by card at checkout.
Who with?
Over how long?
Estimated payment
$224.75 × 4 payments
First payment today, then every two weeks. This plan is interest-free — the total is exactly the purchase price, and financing it costs you nothing.
- Total you'd pay$899
- Cost of financing$0
- Rate0%
Estimates for planning only. Rates, terms, limits and approval are set by the provider — not by us — and depend on your credit. Your exact figures are shown in the checkout before you agree to anything.
Watch it happen
How to apply, at checkout.
Financing is chosen inside the checkout, not before it — there is no separate application and nothing to send us. This is the whole flow, start to finish, on a real $1,399 order.
A simplified illustration of the checkout, not the live checkout itself. Figures shown are an example order; your own plans and rates are shown by the provider before you agree to anything.
Your four options
Who you can pay with.
All four are live at checkout on every order, so you are not locked into one. Here is what each is actually good at.
Affirm
The only plan that stretches to 36 months, and the one to use for anything expensive.
Affirm is what you want for a performance electric scooter or a flagship build. You pick the plan length at checkout and the payment is fixed for the whole term — Affirm shows you the total in dollars before you agree, and that number never moves afterwards. There is no compound interest, no late fee of any kind, no annual fee, and no penalty for clearing it early. It is also the only plan here that runs to 36 months, which is what brings a $3,000 order down to a payment most budgets can absorb.
Best forAnything over about $1,500, and anyone who wants the smallest possible monthly number.
- Interest
- Pay in 4 is always 0%. Monthly plans run 0–36% APR on your credit, with 0% offered on qualifying 3, 6 and 12-month plans.
- Plan lengths
- Pay in 4 over six weeks, or 3, 6, 12, 18, 24 and 36 monthly payments
- Credit check
- Soft inquiry to see your options — no effect on your credit score
- Purchase range
- From about $35, up to our $5,000 financing cap
- Late fees
- None, ever — on any Affirm plan
- Early payoff
- Any time, no penalty, and it cuts the interest owed
Loans by Affirm, Inc. or its lending partners.
Klarna
Four interest-free payments, or monthly financing out to two years.
Klarna's Pay in 4 splits the price across six weeks with no interest — you pay a quarter at checkout and the rest every two weeks. For bigger orders it also offers monthly financing through WebBank at a rate set by your credit. The Klarna app is the best of the four for keeping track of what is due and when, which is worth something if you are running more than one plan.
Best forSmaller orders you can clear quickly, and anyone who wants everything in one app.
- Interest
- Pay in 4 is 0% for everyone. Monthly financing runs 0–35.99% APR depending on your credit and the plan offered.
- Plan lengths
- Pay in 4 over six weeks, or 6, 12, 18 and 24 monthly payments
- Credit check
- Soft inquiry on Pay in 4 — no effect on your score. Monthly financing is subject to credit approval.
- Purchase range
- About $35 to $1,000 on Pay in 4; monthly financing up to our $5,000 cap
- Late fees
- Up to $7 per missed payment on Pay in 4, capped at 25% of the order
- Early payoff
- Any time, no penalty
Monthly financing issued by WebBank. Not available in New Mexico.
Afterpay
Four payments over six weeks, with a higher ceiling than most Pay in 4 plans.
Afterpay is the most straightforward of the four and its Pay in 4 reaches further than the others, so a mid-priced electric scooter can go on it where Klarna's version would stop short. New customers usually start with a lower spending limit that rises as you pay plans off on time. Its Pay Monthly product covers larger orders over three to 24 months at a rate set by your credit. One thing to know: unlike Affirm, Afterpay does charge a late fee on Pay in 4.
Best forGetting started with buy now, pay later, and mid-priced orders on a six-week plan.
- Interest
- Pay in 4 is 0%. Pay Monthly runs 0–35.99% APR depending on eligibility.
- Plan lengths
- Pay in 4 over six weeks, or 3, 6, 12 and 24 monthly payments
- Credit check
- Pay in 4 uses a soft check. Pay Monthly is subject to credit check and approval.
- Purchase range
- Pay in 4 limits start lower for new customers and rise with history. Pay Monthly from about $100, up to our $5,000 cap.
- Late fees
- Pay in 4 charges $10, then $7 per week, capped at 25% of the order. Pay Monthly has none.
- Early payoff
- Any time, no penalty
Pay Monthly loans issued by First Electronic Bank.
PayPal
Pay in 4 interest-free, or Pay Monthly on larger orders. Nothing new to sign up for.
If you already have a PayPal account this is the quickest route through the checkout — there is no new account to open and your details are already there. Pay in 4 is interest-free over six weeks with no late fees. Pay Monthly is a fixed-rate loan through WebBank for bigger orders, and it is the one plan on this page that is never 0% — approval draws on your PayPal history as well as your credit, which is why it sometimes lands where another application has not.
Best forExisting PayPal users, and as a second try if another provider declines you.
- Interest
- Pay in 4 is 0%. Pay Monthly runs 9.99–35.99% APR and is never 0%.
- Plan lengths
- Pay in 4 over six weeks, or 3, 6, 12 and 24 monthly payments
- Credit check
- Soft inquiry on Pay in 4. Pay Monthly is subject to consumer credit approval.
- Purchase range
- About $30 to $1,500 on Pay in 4; Pay Monthly from about $199 up to our $5,000 cap
- Late fees
- None on Pay in 4. Pay Monthly follows PayPal's own terms.
- Early payoff
- Any time, no penalty
Pay Monthly loans issued by WebBank.
Side by side
Which one should you pick?
All four are available on every order, so the choice is yours at checkout. The short version: if you can clear it in six weeks, any Pay in 4 plan costs you nothing extra. If you need longer, Affirm goes furthest and is the only one offering 0% on qualifying monthly plans.
| Provider | Interest-free option | Longest plan | Rate on monthly plans | Late fees | Best for |
|---|---|---|---|---|---|
| Affirm | Pay in 4 — 0% | 36 months | 0–36% APR, 0% on qualifying short plans | None, ever | Big orders and the lowest monthly payment |
| Klarna | Pay in 4 — 0% | 24 months | 0–35.99% APR | Up to $7, capped at 25% | Small orders and app-based tracking |
| Afterpay | Pay in 4 — 0% | 24 months | 0–35.99% APR | $10 then $7/week, capped at 25% | Starting out, and mid-priced six-week plans |
| PayPal | Pay in 4 — 0% | 24 months | 9.99–35.99% APR, never 0% | None on Pay in 4 | Existing PayPal users and second tries |
Figures are each provider's published US terms as of August 2026 and can change. The rate and limit you are actually offered depend on your credit and, for Pay in 4 plans, on your history with that provider. Financing here is capped at $5,000 per order regardless of provider.
Start to finish
How financing works here.
There is no separate application to fill in before you shop and nothing to send us. You choose a plan in the checkout, the same way you would choose a card.
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Pick your ride
Browse the electric scooters and electric bikes and add what you want to the cart. Every product on the site can be financed — there is no separate financing catalogue and no excluded brands.
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Apply your codes
Enter any discount codes in the cart before you go further. Financing is calculated on what you actually owe, so a code applied here lowers the amount financed and every payment after it.
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Choose a plan at checkout
Select Affirm, Klarna, Afterpay or PayPal as the payment method. Enter a few details and the provider runs its check, then shows you the plans you qualify for with the payment and the total in dollars.
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Accept and ride
A decision usually takes under a minute. Once you accept, the order is placed straight away and ships free, and you manage the payments in the provider's own app from then on.
What it works out at
Real prices, real payments.
Our electric scooters start at $309 and run past $5,000, with 250+ models across 30+ brands in between. Here is roughly where the payment lands for each price band, split four ways interest-free over six weeks and again over 12 months at 0% APR.
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Budget
Under $500
A first electric scooter for short trips and the last mile of a commute. Small enough that any Pay in 4 plan clears it in six weeks.
$399 in 4$99.75 Over 12 mo at 0%$33.25Shop this range -
Everyday
$500 – $899
The most popular band on the site — enough range and suspension for a daily commute on real pavement.
$699 in 4$174.75 Over 12 mo at 0%$58.25Shop this range -
Performance
$900 – $1,999
Dual motors, longer range and proper brakes. This is where a monthly plan starts to make more sense than a six-week one.
$1,499 in 4$374.75 Over 12 mo at 0%$124.92Shop this range -
Premium
$2,000 and up
Flagship electric scooters and electric bikes. A 36-month Affirm plan brings a $3,000 build down to a normal monthly figure; past the $5,000 cap you finance $5,000 and card the rest.
$2,899 in 4$724.75 Over 12 mo at 0%$241.58Shop this range
Interest-free figures: the price split into four, and the price over 12 months at 0% APR. Rounded. Your own rate and plan come from the provider.
The honest answer
Do you need good credit?
This is the question we get more than any other, and most stores dodge it. Here is the real position.
Checking whether you qualify is a soft inquiry. That is a lookup which appears on your own credit report but stays invisible to lenders and costs you nothing — your score does not move, and it does not move if you are declined either. You can look at the number and walk away with no trace on your file that matters. A hard inquiry only happens after you have seen the terms and chosen to accept a longer plan, and on Pay in 4 it generally never happens at all.
Good credit is not the bar, especially on the six-week plans. Pay in 4 is the most accessible thing here across all four providers, and Afterpay in particular starts new customers with a modest limit that rises as plans are paid off. On the longer plans, approval tracks the size of what you are asking for — a 12-month plan on a $700 electric scooter is a much easier yes than 36 months on a flagship. Being declined by one provider tells you very little about the next: they assess differently, and you can try another in the same checkout.
- If you are new to creditStart with a Pay in 4 plan. They are interest-free, they are the most widely approved, and clearing one on time builds a record with that provider.
- If your credit is poorAsk for less: a shorter plan on a lower-priced electric scooter beats a long plan on an expensive one. Approval odds track the size of the ask.
- If you were declinedTry another of the four before giving up — they use different models. Paying part on a card and financing a smaller balance also helps.
- What we never doWe do not run credit checks ourselves, we never see your financial details, and we are not told why a provider declined an application.
Is this no-credit-check financing?
No, and be wary of any store that says it is. All four providers check your credit in some form — the part that matters is that seeing your options is a soft inquiry which does not affect your score. Offers advertised as genuinely no-credit-check are usually lease-to-own agreements, where the amount you end up paying can run far above the sticker price. We would rather tell you what this actually is.
Worth knowing
Why finance it here.
A payment plan is only as good as the order attached to it. Spreading three years of payments across something with no warranty behind it is a bad trade, so here is what the plan is actually buying.
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Authorized dealer for every brand
The warranty is real and registered, support goes through the proper channel, and you are covered if something goes wrong halfway through a payment plan.
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Discounts come off first
We discount every brand we carry and codes stack at checkout. Financing is calculated after the discount, so a code cuts every payment, not just the total.
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Free shipping, all 48 states
Every order ships free to the 48 continental states with no minimum, so nothing is added to the financed balance at the last step.
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A year of warranty, 14 days to return
One-year warranty on every electric scooter and electric bike, 14 days to send it back, and UL 2849 certified batteries throughout.
Straight answers
Financing questions.
Can I finance an electric scooter?
Yes. Every electric scooter and electric bike on this site can be paid for over time, starting from our $309 entry model. Choose Affirm, Klarna, Afterpay or PayPal at checkout, get a decision in about a minute, and the order ships as soon as you accept the plan. Financing is capped at $5,000 per order — above that you finance $5,000 and pay the balance by card.
What financing options do you offer?
Four, all live on every order. Affirm covers Pay in 4 and monthly plans from three to 36 months. Klarna covers Pay in 4 and monthly financing out to 24 months. Afterpay covers Pay in 4 and Pay Monthly from three to 24 months. PayPal covers Pay in 4 and Pay Monthly from three to 24 months. Every provider's Pay in 4 is interest-free.
Do you offer 0% APR financing?
Yes. All four providers' Pay in 4 plans are 0% interest for everyone — four payments over six weeks, with the total equal to the sticker price. Affirm also offers 0% APR on qualifying three, six and 12-month plans. Longer monthly plans from Klarna and Afterpay run 0–35.99% APR depending on your credit, and PayPal Pay Monthly runs 9.99–35.99% and is never 0%. Anyone advertising a flat 0% across every plan is glossing over that.
Will applying for financing affect my credit score?
Checking what you qualify for will not. All four run a soft inquiry to show your options, and a soft inquiry does not affect your credit score — it stays invisible to other lenders and leaves no mark that matters, whether you are approved or not. A hard inquiry can only follow after you have seen the terms and chosen to accept a longer plan, and on Pay in 4 it generally does not happen at all.
Do you need good credit to finance an electric scooter?
Not for the six-week plans. Pay in 4 is the most widely approved option across all four providers and is interest-free. On longer plans, approval weighs more than a score — your history with that provider counts, and so does the size of the plan, so a 12-month plan on a $700 electric scooter is a far easier approval than 36 months on a flagship. If one provider declines you, another may not.
Can I get electric scooter financing with bad credit?
Often, yes, though nobody can promise approval and the decision is not ours. The best odds come from asking for less: a Pay in 4 plan, a shorter term, a lower-priced model, or paying part on a card so the financed balance is smaller. Afterpay in particular starts newer customers with a modest limit that grows as plans are paid off on time.
Do you offer no credit check financing?
No, and we would rather say so plainly. All four providers check your credit in some form. What is true — and what most people are actually asking — is that seeing your options is a soft inquiry that does not affect your score. Offers advertised as genuinely no-credit-check are usually lease-to-own agreements, where the total paid can run well above the sticker price.
How fast will I get a decision?
Usually under a minute, inside the checkout, without leaving the page. You enter a few details, the provider runs its check and shows the plans you qualify for with the payment and the total in dollars. Accept, and the order is placed straight away.
How much do I need to put down?
On a Pay in 4 plan, a quarter of the price — the first of the four payments is taken at checkout. On Affirm's monthly plans it is often nothing at all, though a deposit is sometimes required depending on your credit. Klarna and Afterpay monthly plans may also ask for a down payment.
Can I pay off my plan early?
Yes, on all four, with no prepayment penalty. On an interest-bearing plan, paying early also cuts the interest you owe, so you finish for less than the projected total. On a 0% plan there is nothing to save, but nothing to lose either.
Can I finance an electric bike as well as an electric scooter?
Yes. Financing covers the whole catalogue on the same terms — electric bikes, electric dirt bikes, electric scooters and accessories alike. There is no difference in rate or plan length between categories.
Is there anything I cannot finance?
No product is excluded. Every item on the site is eligible, including accessories and parts, and you can mix categories in one financed order. The limits are on amounts, not products: financing is capped at $5,000 per order here, and individual Pay in 4 plans stop lower still — around $1,000 on Klarna and $1,500 on Affirm and PayPal.
What is the difference between Pay in 4 and a monthly plan?
Pay in 4 splits the price into four equal payments over six weeks and charges no interest, so you pay exactly the sticker price — but it is capped, so it suits smaller orders. A monthly plan stretches a larger order over three to 36 months and usually carries a rate, so you pay more than the sticker price unless you land a 0% Affirm plan. Both are offered by every provider here except that only Affirm reaches 36 months.
Is there a minimum or maximum I can finance?
Financing here is capped at $5,000 per order across all four providers. Below that, each plan has its own range: Pay in 4 generally starts around $35 and tops out near $1,000 on Klarna, $1,500 on Affirm and PayPal, and higher on Afterpay. Monthly plans start between $50 and $199 depending on the provider. If your order is over $5,000, finance $5,000 and pay the remainder by card at checkout. The calculator on this page flags any price that falls outside the plan you have picked.
Are there late fees?
It depends who you choose. Affirm charges no late fees of any kind on any plan, and PayPal charges none on Pay in 4. Klarna charges up to $7 per missed Pay in 4 payment, capped at 25% of the order. Afterpay charges $10 and then $7 a week on Pay in 4, also capped at 25%, but none on Pay Monthly. Missed payments on an interest-bearing plan can be reported to credit bureaus.
Which financing option is cheapest?
Any Pay in 4 plan, from any of the four — they are interest-free, so the total equals the sticker price and financing costs you nothing. If you need longer, a qualifying 0% APR Affirm plan is the next cheapest and is also free. Everything else carries a rate, and PayPal Pay Monthly is never 0%, so compare the total in dollars rather than the monthly figure.
Can I use a discount code and financing together?
Yes, and the order matters. Apply your codes in the cart first — financing is calculated on the discounted total, so every code you stack lowers the amount financed and reduces every payment, not just the final bill. Students can stack EDU25 on top of the site-wide codes.
What happens if I return something I financed?
Returns work like any other order and our window is 14 days. Once the return is processed the refund goes back through the provider and your plan is adjusted or cancelled — you do not keep paying for something you sent back. Interest already paid on an interest-bearing plan is not refundable.
Do I have to be in New York to finance?
No. We are an online store shipping free to all 48 continental states, and financing is available across them. New York is where the name comes from, not a limit on who we sell to. One exception worth knowing: Klarna is not currently available in New Mexico, so use one of the other three there.
Does financing cost more than paying up front?
Only if the plan carries a rate. On any Pay in 4 plan, or a qualifying 0% APR Affirm plan, the total is exactly the sticker price and financing costs nothing. On an interest-bearing monthly plan you pay more, and the calculator on this page shows precisely how much before you decide.
Ready when you are
SHOP AND APPLY
- Affirm, Klarna, Afterpay and PayPal — all four live at checkout
- Pay in 4 is interest-free with every provider — financing capped at $5,000 per order
- Soft credit check to see your options — no effect on your score
- Free shipping on every order, all 48 continental states
- 1-year warranty, 14-day returns, UL 2849 certified batteries
Financing is provided by Affirm, Klarna, Afterpay or PayPal and their bank partners — not by Speedway Riders NYC. Rates, terms, purchase limits and approval are set by the provider and depend on your creditworthiness. Pay in 4 plans are 0% interest; monthly plans carry a rate: Affirm 0–36% APR with 0% on qualifying plans, Klarna and Afterpay 0–35.99% APR, PayPal Pay Monthly 9.99–35.99% APR and never 0%. Klarna and PayPal monthly financing is issued by WebBank; Afterpay Pay Monthly by First Electronic Bank. Payment figures on this page are estimates for planning, calculated from published US terms as of August 2026 — your actual offer is shown by the provider at checkout before you agree to anything. Financing at Speedway Riders NYC is capped at $5,000 per order; orders above that can be part-financed with the balance paid by card. Available to US residents only. Ride legal: speed and power limits are set state by state and city by city, so check the rules where you ride.