Financing
Bike Financing in Ottawa–Gatineau
Want a new bike now, but prefer to spread payments out over time? Quick Cranks offers flexible bicycle financing options at checkout so you can get rolling without a huge upfront cost. We currently offer financing through RBC PayPlan and Klarna for eligible purchases online.
Whether you’re buying a commuter bike, mountain bike, gravel bike, road bike, fat bike, or e-bike — financing can make it easier to choose the bike that fits your life (and your budget).
Financing Options at Quick Cranks
We work with trusted providers to offer simple, secure checkout financing. Your plan, approval (if required), and any interest or fees are clearly displayed during checkout — so there are no surprises.
RBC PayPlan (for purchases over $1,000)
RBC PayPlan is our go-to option for larger purchases — typically for bikes and higher-value builds. If your cart total is over $1,000, you may see RBC PayPlan available at checkout.
- Best for: bike purchases, bigger upgrades, higher-ticket orders
- Minimum purchase: typically $1,000+
- How it works: choose RBC PayPlan at checkout and follow the prompts
- Interest: if applicable, it’s calculated and shown at checkout
RBC PayPlan is designed to be straightforward: you’ll see your payment plan details during checkout and confirm everything before you place your order.
Klarna (flexible checkout payments)
Klarna is a flexible payment option that can help you split up a purchase in a way that feels manageable. If Klarna is available for your order, you’ll be able to select it at checkout and complete the setup directly through Klarna.
- Best for: gear, accessories, smaller-to-mid purchases, and some bike purchases
- How it works: choose Klarna at checkout and follow the prompts
- Approval & terms: determined by Klarna during checkout
Klarna makes it easy to budget your purchase and keep moving — especially when you’re grabbing the essentials to get ready for the season.
What Can I Finance?
Financing is commonly used for full bike purchases, but depending on your order and provider eligibility, it may also apply to certain larger upgrades and gear setups.
- New bicycles (road, gravel, mountain, commuter, fat bikes, e-bikes)
- Kids’ bikes and family cycling setups
- Helmets, trainers, wheels, and other key upgrades (order-dependent)
- Seasonal gear packages (winter riding, bikepacking, commuting)
How Financing Works (Simple Step-by-Step)
- Add your items to cart and head to checkout
- Select RBC PayPlan (for $1,000+ orders) or Klarna (when available)
- Review your payment plan details
- Complete any required approval steps
- Confirm your order and you’re good to go
You’ll always see the important details during checkout — including payments and any interest (if applicable).
Why Finance a Bike?
A bike is one of the best purchases you can make for health, commuting, adventure, and getting outside more. Financing can help you choose the right setup now — and pay for it over time.
- Spread the cost of a larger purchase over manageable payments
- Upgrade appropriately (fit, safety gear, and the right bike for your riding)
- Get riding sooner instead of delaying the season
- Budget confidently with clear checkout terms
Financing FAQ
Is RBC PayPlan available for all orders?
RBC PayPlan is typically available for larger purchases over $1,000. If your order qualifies, it will appear as an option at checkout.
Is interest charged?
If interest applies to your RBC PayPlan option, it is calculated and displayed at checkout before you confirm your purchase. Klarna terms (including any fees or interest, if applicable) are presented directly within Klarna during checkout.
Do you offer financing in-store too?
If you’re shopping in-store and want financing, reach out and we’ll walk you through the best option for your purchase.
What if I don’t see financing at checkout?
Availability can depend on order value, eligibility, and the provider. If you don’t see the option you expected, contact us and we’ll help.
Need Help Choosing a Financing Option?
If you’re not sure which option fits your purchase, reach out — we’re happy to help you choose a bike and a payment plan that makes sense. Quick Cranks is here to make cycling more accessible in Ottawa–Gatineau, one ride at a time.
