We offer two forms of financing at our retail locations to help make that new bike a reality: traditional layaway and the Specialized S-Card financing program.


To put a bike on layaway, pay 10% of the price. We will then store the bike for 90 days, while you pay off the balance on the schedule of your choice. After 90 days we can no longer guarantee you the exact bike that we were holding. Instead you may receive in-store credit or a refund.

  • 10% down payment required
  • No minimum monthly payment
  • No interest
  • Bike will be held for 90 days
  • After 90 days, if that bike is no longer available, chose between in-store credit or refund

Specialized S-Card Financing

The Specialized S-Card allows you to ride your bike now and pay for it later. It can be used on any brand of bike, and on any gear in our store—not just bikes!

Apply on-line. Ask us about current financing promotions.

  • Simple application process
  • Fast credit decisions
  • Exclusive Specialized promotions
  • Issued by Synchrony Financial
  • Low minimum monthly payments
  • Convenient online bill pay