Your next bike is more affordable than ever

Tough economic times are upon us. In the past week alone, Flatbike has heard from several customers who’ve lost their jobs. They still want convenient, reliable bikes that will last a long time for recreation and car replacement, but first they’d like to see some help on the price tag.

We’d already been working on that, but this new development makes the goal super-important. Here are three ways to save money vs. credit cards without cutting quality.

1. Get three months to pay, with no interest.

Sometimes, it’s not as much the cost of the bike that’s a concern, but fitting it into the monthly budget without racking up a credit card bill at those rates.

So we’ve worked with Affirm–and even paid a bit extra for this relationship–so that qualifying customers can divide a bike into three monthly payments with zero interest. It’s just like you had the money all along, but it’s less of a one-time wallop to your budget.

For example, suppose you wanted to get the CHANGE 809, our rugged, basic folding mountain bike with road tires that we introduced as a more affordable option for truckers.

CHANGE 809 folding mtb
Rugged, reliable, foldable. But while more affordable than other CHANGE bikes, it’s still not cheap at $1,280.

When you purchase with Affirm, you can split that into three monthly payments of under $427 with zero interest.

Or, if you want to reduce the monthly impact even more, you can pay just under $220/month by splitting across six months, with interest starting at 10% APR. That ends up about the same as a large tank of gas–that you won’t need if you’re commuting by bike.

How Affirm loans work
Here’s how payments look for this specific model. You can check the Affirm pricing for any bike or frame Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Payment options depend on your purchase amount, and a down payment may be required. Affirm loans are made by Cross River Bank, Member FDIC..

2. Get last year’s bikes on clearance.

Confession time… I still ride to work on my 26″ wheel CHANGE 611 folding rugged hybrid, even though there’s a newer model out with 27.5″ wheels. Why? I’ve ridden it with wild abandon for three years, and it’s proven a reliable commuting partner year-round, rain or shine. That’s the kind of bikes we have on clearance.

Generally, these bikes are about $300 less than the current models, if we still have them in your size. We may be down to just the largest and smallest frames. But if you find a fit, it’s your lucky day. And… you can use Affirm on those too, bringing the up-front cost down even more. Double lucky!

3. Upgrade your existing bike.

Maybe you don’t need a completely new bike. Maybe all you need is for your existing bike to behave itself a little more. Stop sprawling so much in the living room or garage. Stop grabbing the car’s upholstery with handlebars and pedals when you try to put it in the car. And for heaven’s sake, when you use a car rack, stop scratching other bikes with random pedal attacks.

It could be that all you need is a folding THINstem. Or pop-off pedals. Or both together in a discounted Flatten Your Bike kit. (Just between you and me, we even have a silent special right now on mini-MTB pop-off pedals in three colors, so you can save yet another way).

Lean strategies for lean times.

Tough economic times don’t mean doing without. They just require creative ways to make your same goals a reality. Maybe it’s spreading payments without paying interest. Or choosing last year’s latest and greatest bike model for your fitness and commuting machine. Or just making more use of what you already have.

Together, we’ll get through this, and come out the other side better for it. Be safe, and enjoy your bike.

Bob Forgrave's Signature

Bob Forgrave




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