For your convenience we offer our customers interest-free financing with the Specialized S-Card, brought to you through Specialized and Synchrony Bank (formerly GE Capital).
For purchases up to $1000, we offer 6-months no interest. For purchases over $1000, we offer 12 months no interest.
No Interest is due if paid in full within 6 or 12 months!* On promotional purchases made with your Specialized S-Card, interest will be charged to your account from the purchase date if the promotional purchase amount is not paid in full within 6 or 12 months or if a late payment is made. Minimum monthly payments are required, and you may pay off purchase before end of promotion period.
*Offer applies only to single-receipt qualifying purchases. No interest will be assessed on the promo purchase if you pay the promo purchase amount in full within 6 or 12 months. If you do not, interest will be assessed on promo purchase from the purchase date. However, if account becomes 60 days past due, promo may be terminated early, accrued interest will be billed, and regular account terms will apply. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
Whether you are purchasing a new bike, equipment or both, you can get everything you want faster and easier with the Specialized S-Card:
- Simple application process
- Fast credit decisions
- Exclusive Specialized promotions
- Low minimum monthly payments
- Convenient online bill pay
The application process is simple and usually takes about 15 minutes. We need two forms of identification, typically a driver’s license and a credit card will work, and some basic financial info. Once the form is completed, we run the info through Synchrony Bank’s web site and it will let us know if, and for how much, you are approved.
You can also get a quick start by downloading and filling out this Credit Application (PDF). Review the completed form for accuracy and sign it. When you're ready, please bring the form to our store for further processing. All information remains strictly confidential.
Once approved, your line of credit can be used to buy anything in the store!
Please call or visit our store for more information. We also accept all major credit cards (Visa - MasterCard - Discover - American Express).
We can hold anything aside for you with our layaway program. This can be especially helpful if you want to buy a bike, but you don’t have cash flow now to get it.
Standard Layaway: 30% deposit, 60 days to pay the balance. Cancellation within 15 days, full refund. Cancellation within 16-30 days, 10% re-stock fee. No refunds after 30 days.
We are happy to work with you on the amount of time needed to pay your balance, and can be negotiable on the amount for the deposit, but since we are removing our opportunity to sell that item to another customer, or potentially re-ordering another of that item to replace the one we are holding for you, we cannot make exceptions on our cancellation policy.
We stock a ton of items, but we can’t always have every item for every customer. We take special orders very seriously!
We never charge extra for any special order item! We do, however, normally ask for a deposit of 50% at time of special order.
Most special orders are in within a week, sometimes even less.We always try to let you know when to expect your special order items, and if for some unforeseen reason the expected arrival date changes, we will call you to keep you informed.
If you are in an exceptional hurry, we are happy to get things shipped alone and/or via expedited freight. We only ask that you cover the shipping on these items.
For returns or non-pickup of special order parts, there is a "60% of sale price plus freight" restocking fee to recoup our item costs as well as research and order administration time. Normally the remainder is refunded as a store credit.