Affirm Details 

  • Pay Over Time - 3, 6, 12,  36 months (based on purchase size)
  • Rates as low at 0% or 10% to 36% APR (based on credit rating)
  • Available on all orders (options may be limited under $100)
  • Get the parts and accessories you need today
  • Make easy and affordable monthly payments on terms that you choose
  • Quick and Easy Qualification
  • Get a real-time decision with just a few pieces of information
  • No hidden fees ever!
  • ​Know up front what you'll owe

Affirm Checkout Steps:

  1. Just select Affirm as your payment method upon checkout at the K and G Cycles
  2. Click 'Place Order'
  3. You will be redirected to the Affirm credit application
  4. Enter your phone number and additional info as requested
  5. If approved, choose the loan terms that work best for you
  6. Confirm your loan agreement
  7. You will be redirected back to K and G Cycles

Affirm Program Requirements:

To sign up for Affirm, you must:

  • Be a resident of the U.S. (including U.S. territories)
  • Be 18 years or older (19 years if you’re a ward of the state in Nebraska).
  • Provide a valid U.S. mobile or VoIP number and agree to receive SMS notification text messages. The phone account must be registered in your name.
  • Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help verify your identity.

Affirm FAQ's

Why buy using Affirm?

First, you can buy and receive your purchase right away, and pay for it over several months. The payment options allow you to split the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.

In addition, the application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds. You don't need a credit card to make a purchase. Affirm pays K and G Cycles directly on your behalf.

And, you may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you. 
Finally, affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

    How does Affirm work?

    Simply add the items that you would like to finance to your K and G Cycles shopping cart and choose Affirm as your payment method at checkout.

    Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 10% to 36% APR with loans of 3, 6, or 12 month terms.

    • Example: Based on a purchase price of $500.00 at $43.97/mo at 10% APR for 12 months. Down payment may be required

    Are there hidden fees?

    Nope! You will know right up front what you’ll owe, with no hidden costs and no surprises.

    Will checking eligibility affect my credit score?

    No, again! Checking for eligibility with Affirm will not affect your credit score. Feel free to check eligibility at any time by clicking on the learn more button on any product page.

    How long do I have to pay Affirm?

    Affirm offers simple and easy payment options to pay over 3 to 36 months. 

    Can I use Affirm for telephone orders?

    Absolutely! You must already be approved and have an Affirm account with K and G Cycles. Then, you download the Affirm app and request a virtual card number. Once you have been assigned a virtual card number, simply contact us at 305-749-5599 and we will be glad to place your order.  

    Learn more at Affirm

    Take Me to the Affirm Website 


    Disclosure: Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for details.