Choose Affirm or Splitit at checkout 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
  • Split Payments with no interest on your existing Visa or MasterCard Credit Card
  • Choose from 3 or 6 months payment plans
  • No pre-qualification needed – you already have the card
  • No fees, No interest, No application
  • 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 Splitit to put your new Factor Bikes purchase on your credit card and pay monthly —with no interest or fees

Splitit allows you to pay in smaller instalments over time on your existing credit card. The remaining amount of the order will be held on the card and reduced in bite-sized, no-interest payments over 3 to 6 months.  *Available in the UK only



Pay in bite-sized interest-free payments over 3 or 6 months. 


Recieve full credit card benefits

Get the points, miles and cash-back benefits of your Visa or Mastercard without paying interest or late fees.


Hassle free

No application or approval process and no hidden fees


Easy to use

Simply select “Pay with Splitit” at checkout.


Here are some frequently asked questions about Splitit and how it works.

What is Splitit?

Splitit is a global payment solution enabling shoppers to pay for purchases with an existing credit card by splitting the cost into interest-free monthly payments.


How does Splitit Work?

Splitit requests authorisation from the shopper’s card company, reserving the total purchase amount from the shopper’s available line of credit. Then, each month, according to the shopper’s payment plan, the instalment amount is collected and Splitit requests authorisation for the remaining balance.

Here is an example of how the service works for a customer buying a bike totalling £5,000 in 5 instalments of £1,000 each:

Splitit obtains authorisation from the credit card company for the full purchase amount of £5,000. This is not a charge on the card; it is simply reserving £5,000 from the shopper’s line of credit.

The credit card company then charges the shopper £1,000 for the first payment.
During the second month, Splitit requests authorisation for the outstanding purchase amount of £4,000 and charges the shopper the second instalment of £1,000.
This authorisation and charge process continues until the full £5,000 is collected–in this case, for 5 months.

What fees do Splitit charge me?

There are no fees associated with your Splitit purchase.

Is there an application process for Splitit?

No application or approval process.

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