Financing
Get the Bike You Want. Pay Your Way.
Whether you want to complete an eligible bike purchase online through Ekho, finance your bike over time, or simply use a faster way to check out, Charged Cycle Works offers multiple ways to buy. Choose from Ekho-powered vehicle checkout, financing through Scryp, manufacturer-specific financing on eligible UBCO and Zero Motorcycles, Shop Pay, digital wallets, PayPal, and major credit cards.
Financing availability varies by product and customer. Not every financing program applies to every bike. Approval, rates, terms, down payment requirements, promotional offers, and installment availability are determined by the applicable financing provider and may change.
Buy Your Bike Online With Ekho
On eligible Charged Cycle Works bikes, Buy with Ekho gives you a complete online vehicle-purchase flow built specifically for motorcycle and powersports transactions. Instead of stopping at a basic cart checkout, Ekho can guide the deal from payment and financing through paperwork, taxes, title and registration, and delivery or dealer pickup.
- Complete eligible bike purchases online from start to finish
- Choose from available payment or financing options during the Ekho checkout
- Pre-qualify for financing before completing the full application
- Review available lender offers and financing terms when applicable
- See applicable taxes and fees as part of the vehicle checkout
- Complete required identity verification and purchase documents
- Title and registration support for applicable vehicles and jurisdictions
- Choose available delivery or dealer-pickup options
Eligible bike product pages display a Buy with Ekho option. Select it to start the vehicle-specific purchase process. Availability can vary by bike and transaction.
Ekho is especially useful for purchases that require more than a standard ecommerce checkout, including financing, DMV paperwork, registration, and related vehicle documentation.
Bike Financing Options
Looking specifically to spread the cost of your bike over time? Start with the program that matches what you're purchasing. Ekho may present financing during an eligible vehicle purchase, Scryp is our primary standalone general financing option, and select manufacturers also offer their own financing programs.
Scryp Financing
Scryp provides financing for qualifying Charged Cycle Works bike purchases, allowing approved customers to spread the cost of their purchase over time.
- 90-day same-as-cash financing option, OAC
- 12, 24, and 36-month payment options
- Online application
- Quick credit decision
- No obligation to purchase when you prequalify
UBCO Finance
Customers purchasing an eligible UBCO 2X2 may also have access to manufacturer financing directly through UBCO.
- Financing administered through UBCO
- Powered by Octane
- Qualifying promotional financing may be available
- Select promotions may offer terms up to 60 months
- Select Charged Cycle Works as your dealer when applying
Zero Motorcycle Financing
Eligible Zero Motorcycles may qualify for manufacturer financing programs available through Zero Motorcycles and its financing partners.
- Available on select eligible Zero Motorcycles
- Promotional APR and term offers may be available
- Programs can vary by model
- Programs can vary by promotional period
- Subject to lender approval
Flexible Payment & Express Checkout Options
Financing isn't the only way to make checkout easier. Charged Cycle Works also supports several accelerated and digital payment options for eligible online purchases.
Shop Pay
Shop Pay provides a fast Shopify checkout experience using securely saved shipping and payment information.
- Available directly through checkout
- Accelerated checkout for returning Shop Pay users
- Securely saved shipping and payment information
- Installment options may appear for eligible customers and purchases
Shop Pay Installments: If an installment option is available for your purchase, it will be shown during checkout. Availability and terms are determined by the financing provider and customer eligibility.
Apple Pay & Google Pay
Check out quickly using a supported digital wallet without manually entering your card information.
- Apple Pay
- Google Pay
- Secure wallet-based checkout
- Fast payment from supported devices
- Availability depends on your browser, device, and wallet setup
PayPal & Major Credit Cards
Prefer a traditional checkout? Charged Cycle Works also accepts PayPal and supported major credit cards.
- PayPal
- Visa
- Mastercard
- American Express
- Discover
Available payment methods may vary based on your order, location, device, and checkout eligibility.
Finance Your Bike With Scryp
Scryp gives qualifying Charged Cycle Works customers a way to purchase a bike now and make payments over time instead of paying the entire purchase price upfront.
Flexible Ways to Pay
Qualified applicants can choose from multiple payment structures, including a 90-day same-as-cash option or longer-term monthly financing.
A 0% financing option for 90 days may be available to qualified applicants.
Qualifying financing terms may include 12, 24, and 36-month payment options.
Apply online and receive a decision without having to complete your bike purchase first.
How Scryp Financing Works
From choosing your bike to completing the purchase, the process is designed to be straightforward.
Find the bike you'd like to purchase from Charged Cycle Works.
Complete the Scryp financing application using our application link.
If approved, review the financing terms offered directly by Scryp.
Our team can help you finish the bike purchase once your financing is approved.
Which Payment Option Should I Use?
The best option depends on what you're buying and whether you want a complete online vehicle purchase through Ekho, long-term financing, a manufacturer promotion, or simply a faster way to check out.
| Payment Option | Best For | How It Works |
|---|---|---|
| Buy with Ekho | Completing an eligible bike purchase online, including vehicle-specific paperwork | Look for Buy with Ekho on eligible bike product pages. Choose the available payment or financing option and complete the applicable transaction steps online. |
| Scryp | Financing qualifying bike purchases | Apply directly with Scryp |
| UBCO Finance | Eligible UBCO 2X2 purchases | Apply through UBCO and select Charged Cycle Works as your dealer. |
| Zero Motorcycles Financing | Eligible Zero Motorcycle purchases | Review the current manufacturer financing offers available for your selected Zero model. |
| Shop Pay | Fast online checkout | Select Shop Pay during checkout. Installment options may appear for eligible purchases and customers. |
| Apple Pay | Fast checkout from supported Apple devices | Select Apple Pay at checkout when available. |
| Google Pay | Fast checkout using Google Wallet | Select Google Pay at checkout when available. |
| PayPal | Customers who prefer checking out through PayPal | Select PayPal during checkout when available. |
| Credit Card | Standard one-time payment | Pay using a supported Visa, Mastercard, American Express, or Discover card. |
Find Your Next Bike
Financing eligibility depends on the lender, bike, purchase amount, and customer qualifications. Browse our current bikes and then choose the payment option that works best for your purchase.
Financing & Payment FAQ
Common questions about financing and payment options at Charged Cycle Works.
What is “Buy with Ekho”?
Do I have to finance if I buy through Ekho?
Will applying for financing guarantee approval?
Can I check financing options before buying a bike?
Does every bike qualify for every financing program?
Do you offer Shop Pay?
Can I use Apple Pay or Google Pay?
Can I use PayPal?
What credit cards do you accept?
Can I pay my financing off early?
Who do I contact if I have questions about financing?
For help determining which financing option may apply to your bike, contact Charged Cycle Works at (801) 449-1050.
For questions about an existing Scryp application, contact Scryp at (855) 297-2797 or info@scryp.com.
Where is Scryp currently available?
Our current Scryp financing information lists availability in:
- Alaska
- Arizona
- California
- Delaware
- Idaho
- Kansas
- Kentucky
- Mississippi
- Missouri
- Nevada
- North Dakota
- Oregon
- Pennsylvania
- Rhode Island
- South Dakota
- Utah
- Washington
- Wisconsin
Availability may change. Confirm your eligibility during the application process.
Need Help Choosing a Financing Option?
If you know which bike you want but aren't sure which financing program applies, give us a call. Our team can help point you toward the appropriate payment or financing option for your purchase.
Ekho: Buy with Ekho is available only on eligible vehicles and transactions. Available payment methods, financing offers, lender terms, taxes, fees, documentation requirements, titling and registration requirements, delivery options, and eligibility can vary by vehicle, customer, and jurisdiction. Financing offered through the Ekho purchase flow is subject to the terms and approval requirements of the applicable lender.
Scryp Disclosure: Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 32% APR. APR will vary depending on credit qualifications, loan amount, and term. Charged Cycle Works does not underwrite or control Scryp loans; financing is provided directly through Scryp.
Manufacturer Financing: UBCO and Zero Motorcycles financing programs are administered by their respective financing providers. Promotional rates, eligible models, financing terms, down payment requirements, and availability may change without notice and are subject to lender approval. Review the current manufacturer offer and financing agreement before completing your purchase.
Shop Pay & Installment Options: Shop Pay is available as an accelerated checkout option. Financing or installment options, when presented, are subject to customer eligibility, purchase eligibility, financing-provider requirements, and applicable terms. Not every order or customer will qualify for installment payments.
Payment Methods: Payment methods shown at checkout can vary by customer location, device, browser, order value, product eligibility, and other checkout conditions.