Choose Affirm or Duologi to pay in instalments
  • As low as 0% APR financing
  • Pay over 3 to 24 months
  • Monthly payments
  • Options for consumers of varying credit ratings
  • For US Customers only
  • Range of Finance Options Available
  • Choose between 6 – 36 months?
  • Apply quickly online
  • For UK Customers only

With 0% APR financing, buying a Factor Bike is now easier than ever.


Affirm and Factor Bikes NA/SA have teamed up to offer easy financing without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at check is always what you’ll actually pay.


Simple Checkout

Checkout is easy, just select Affirm at checkout and enter some basic information for an instant loan decision.

Safe & Secure

There’s no card number to steal, so your account stays secure.

You're In Control

Pick a loan that fits your budget – choose to pay off your purchase at the term of your choosing.

Instant Approval

Your loan is complete and we can process your order immediately.

Use Duologi to buy your Factor Bike in the UK

Finance is a way to spread the cost of your Factor purchase. To make it easy, we’ve partnered with Duologi whose smart technology lets you apply for and then complete the loan application quickly and entirely online. For more information on how to make an application please contact the Factor Bikes UK team directly. *Available in the UK only

Finance is provided by Duologi. Duologi is a trading name of Specialist Lending Ltd which is a limited company registered in the UK under number 10664999 at the registered address 10 Bressenden Place, London, SW1E 5DH, United Kingdom. Authorised and regulated by the Financial Conduct Authority under number 774712.


Representative Example

  • 9.5% finance over 24 months??(30% Minimum Deposit)
  • Total order value = £5,000
  • 30% deposit = £1,500
  • Total amount of credit = £3,500
  • Duration = 24 months
  • Representative APR = 9.5%
  • Interest charged = £355.93
  • 24 monthly payments of = £160.66
  • Total amount payable = £5,355.93

Representative Example

  • 0% finance over 12 months?(50% Minimum Deposit)
  • Total order value = £5,000
  • 50% deposit = £2,500
  • Total amount of credit = £2,500
  • Duration = 12 months
  • Representative APR = 0%
  • Interest charged = £0
  • 12 monthly payments of = £208.33
  • Total amount payable = £2,500
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