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Financing Options


What Is The Financing Urban Bikes Direct Offers?

If you're considering getting an electric bike, but don't have the cash or credit available to pay for one right now, you may be thinking about other financing options. We offer one of the best financing programs in the industry. 

We have partnered with the best financing companies to give you the best chance of qualifying for credit. You will be required to apply for financing. You will fill out a credit line application. You are subject to credit approval. has no control over the financing decision. This is solely the lender's decision based on your creditworthiness. 

You'll usually get a decision within seconds and be able to purchase that brand new electric bikes of your dreams right from our website shipped directly to your door as fast as 3-10 business days.  You have two options for financing: Paypal and Klarna.

What types of financing options does Klarna offer?


Klarna is now one of Europe’s largest banks and is providing payment solutions for 60 million consumers across 70.000 merchants in 14 countries. Klarna is offering installment plans for our customers in a smooth one-click purchase experience that lets you pay when and how you prefer to. 

The time frame you are given to pay back your loan is dependent on cart balance. The time frame options that Klarna offers can be: (This is subject to variations. These are examples of past time frame options given)

  1. 12 months no interest
  2. 18 months 9.99%
  3. 24 months 9.99%
  4. 36 months 9.99%

So, a $999.00 order could be financed at 9.99% APR for 12 months at a rate of $61.00 per month.

The monthly rate can vary depending on your cart amount. You may qualify for 12 months, 24 months or 36 months. These are not guarantees. If you want to know your options please follow the steps here. Your monthly payment options will be shown to you before you apply for financing.

Once a customer has received financing from Klarna they can submit payment to them in several ways: They can pay online, pay by phone, pay by check, they can also set up automatic payments through our online site or set up autopay with their bank. 

Only online applications for financing are accepted.

  1. At checkout, select Slice it. Pay over time with Klarna as your payment option and continue.



  1. Choose from the monthly payment options available. (Please note that monthly payment options are dependent on your cart balance and what Klarna decides to offer, we cannot change it)


  1. Click Place Order.
  1. Enter simple information.


  1.   Click Continue. 
  1.   Know instantly if your purchase has been accepted.
  1.   Receive a confirmation email outlining your purchase, due date(s), and other useful information.
  1.   Contact Klarna customer service at any time with questions about your purchase, or head to our Customer Service FAQs.
  1. Contact or 800-591-7508 if you have any questions. We are happy to help!

What types of financing options does Paypal offer?

The world-renowned recognized and respected leader in financing, PayPal, has offered customers of an exclusive deal to get financing for any electric bikes over $99. NO INTEREST IF PAID IN THE FULL WITHIN 6 MONTHS! 

PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.

If applying for Paypal Credit you will need to have a Paypal account or create one. If you don't know how to create one check out this wikihow article: How To Set Up A Paypal Account

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. Promotional offers may not be available for purchases made on a mobile device.

The financing lasts for 6 months and is only valid on approved credit. 

How Do I Apply for Paypal Financing? 

(Please read the entirety of the instructions before you email or call. The next step may answer the question you have about the steps before it.)


  1. Choose the product you want to purchase.


  1. Click the ADD TO CART button on the product page:


  1. Click the CHECKOUT button:


  1. Fill in your information:


  1. Click the CONTINUE TO SHIPPING METHOD button:


  1. Choose your shipping method.


  1. Click the CONTINUE TO PAYMENT METHOD button:


  1. Choose PAYPAL option:


  1. Click the COMPLETE ORDER button:


  1. A pop will be displayed on the screen that will redirect you to PayPal, if you have a pop-up blocker make sure to disable it. You will need to sign into Paypal if you haven't. If you don't have a PayPal account you will need to create one. 

If you don't know how to create one check out this wikihow article. How To Set Up A Paypal Account.

  1. Click APPLY NOW button: (hover your mouse over Apply Now)
  1. You will be prompted to fill in your information:
  • Billing & shipping address
  • Your date of birth
  • Last 4 digits of your social security
  • Phone number
  1. Click NEXT
  1. Read PayPal's Credit Terms & Conditions:
  1. You will receive an instant approval:


  1. You will receive an instant denial. has no control over the financing decision. This is solely the lender's decision based on your creditworthiness.