Flexible Financing · Instant Decision
Ride Today.
Pay Over Time.
Zero Regrets.
Get your certified electric scooter or e-bike now with flexible financing starting at 0% APR. No hard credit pull to check your rate. Instant decisions. Plans from 3 to 36 months.
💳 0% APR Available
⚡ Instant Approval
🔒 No Hard Credit Pull
📅 3–36 Month Terms
💸 From $29/mo
🏦 Powered by Affirm, Klarna & Sezzle
📋 All credit profiles considered
✅ Available online & in all 7 stores
🧮 Quick Payment Estimator
Adjust to see your monthly payment
Purchase Price $899
Down Payment $0
Select Term
Finance Amount
$899
APR (0% qualified)
0% – 29.99%
$150
estimated / month (at 0% APR)
Estimated payment for illustration only. Actual rate depends on credit profile. 0% APR available to qualified buyers.
0%
APR for Qualified Buyers
60s
Average Approval Time
$29
Starting Monthly Payment
36mo
Maximum Term Length
Our Plans
Choose the Plan
That Works for You
Three flexible financing options to fit your budget and credit profile. All plans include Wilson's 1-Year Warranty on your certified purchase.
0% Promotional
Zero Interest
Pay only what the ride costs — nothing more
0%
APR
For qualified buyers · 3–12 month terms
3–12
Month Terms
$0
Total Interest
$300+
Min Purchase
660+
Credit Score
- Zero interest — pay only the purchase price
- 3, 6, or 12 month payment terms
- No prepayment penalties
- Instant decision online or in-store
- Available on all certified inventory
- Requires good–excellent credit (660+)
- Terms limited to 12 months max
Most Popular
Standard Financing
Flexible Monthly
Longer terms, lower monthly payments
9.99%
– 19.99% APR
Typical range · Based on credit profile
6–36
Month Terms
$500+
Min Purchase
580+
Credit Score
$29/mo
From
- 6, 12, 18, 24, or 36 month terms
- Lower monthly payments with longer terms
- No prepayment penalties
- Instant decision — applies online or in-store
- All credit profiles considered (580+)
- Available on all certified inventory
- Combine with trade-in for lower balance
Buy Now, Pay Later
Pay in 4
Split into 4 easy payments — zero interest
0%
Interest · 4 Payments
Every 2 weeks · No credit score required
4
Payments
6 Wks
Pay-off Time
Any
Credit Score
$0
Interest
- Split into 4 bi-weekly payments
- Zero interest — ever
- No credit score requirement
- First payment at checkout
- Via Klarna or Sezzle
- Available on purchases up to $2,000
- Full balance paid within 6 weeks
BNPL Partners
Buy Now, Pay Later
— Your Way
Choose from three trusted BNPL providers. All offer flexible options with zero interest for short-term plans.
Affirm
"The flexible, honest way to pay"
How Affirm Works:
- Select Affirm at checkout online or in-store
- Fill out a short application — instant soft credit check
- Choose your payment plan (3, 6, 12, or 36 months)
- Ride today, pay over time with no hidden fees
Interest Rate Range
0% for qualified buyers
0–36% APR
$300+
Min purchase
580+
Credit score
Klarna
"Smoooth shopping, as it should be"
How Klarna Works:
- Select "Pay with Klarna" at checkout
- Choose Pay in 4 (bi-weekly), Pay in 30 days, or monthly
- Soft credit check only — no impact on your score
- Manage all payments in the Klarna app
Pay in 4 rate
0% interest always
0% (Pay in 4)
$35+
Min purchase
Any
Credit score
Sezzle
"Financially empowering you"
How Sezzle Works:
- Select Sezzle at checkout in-store or online
- 25% due today, remainder split over 6 weeks
- Zero interest — ever — on all purchases
- Helps build credit with on-time payments
Interest Rate
Zero. Always.
0% Always
$50+
Min purchase
Any
Credit score
Payment Calculator
Build Your Perfect
Payment Plan
Adjust every variable to find the plan that fits your monthly budget. See full amortization breakdown instantly.
🧮 Full Payment Calculator
Adjust price, term, APR, and down payment — see live results
Purchase Price $899
Down Payment $0
Loan Term
Interest Rate (APR)
Select an APR or qualify for 0%
0%
Qualified Buyers
9.99%
Good Credit
19.99%
Fair Credit
29.99%
Building Credit
Your Estimated Monthly Payment
$150
per month
Purchase Price$899
Down Payment$0
Amount Financed$899
Loan Term6 months
APR0.00%
Total Interest$0.00
Total Cost$899
📋 View Full Payment Schedule ▾
| Month | Payment | Principal | Interest | Balance |
|---|
Estimates only. Actual rate depends on credit profile. 0% APR available to qualified buyers. No hard credit pull to check your rate.
Simple Process
Get Financed in 4 Easy Steps
From application to riding — the whole process takes under 10 minutes online or in-store.
🛒
Choose Your Ride
Browse our certified inventory online or visit any of our 7 NYC & California locations to find your perfect certified scooter or e-bike.
📋
Apply in 60 Seconds
Fill out our short application — name, address, income, and SSN (soft pull only). No impact to your credit score to check your rate.
⚡
Instant Decision
Get approved instantly in most cases. Review your loan offers, choose your term, and confirm your plan — all in under 2 minutes.
🛴
Ride Away Today
Pick up your certified ride at any Wilson's location or choose free shipping. Your 1-Year Wilson Warranty starts immediately.
Do I Qualify?
Check Your Eligibility
Most applicants are approved. Click each requirement to confirm — see your likely approval status instantly.
US Resident
Must have a valid US address and be a legal US resident or citizen.
✓
18 Years or Older
Must be at least 18 years of age to enter a financing agreement.
✓
Verifiable Income
Regular income (employment, self-employment, benefits) of at least $800/month. All sources considered.
✓
Valid Phone & Email
Active phone number and email address for identity verification and payment notifications.
✓
Debit or Credit Card
For down payment (if applicable) and automatic monthly payment setup.
✓
You Likely Qualify!
Based on your responses, you meet our basic eligibility requirements. Apply now — soft credit check only, no impact to your score.
💳 Apply for Financing
Instant decision · Soft credit check only · No obligation
1. Vehicle
2. Personal
3. Financial
4. Review
Electric Scooter
Electric Bike
🔒 Used for identity verification only. Soft credit check — no impact to your score.
📋 Application Summary
VehicleSegway Ninebot Max G2
Purchase Price$649
Down Payment$0
Amount Financed$649
Requested Term12 months
Est. Monthly (0% APR)~$54/mo
⚠️
By submitting, you authorize a soft credit check which will not affect your credit score. If you choose to proceed with a loan, a hard inquiry may follow.
Application Submitted!
Your application is being reviewed. Most decisions are instant — you'll receive an email and SMS within the next few minutes with your approval status and loan options.
Our team at Wilson's will also reach out to confirm your vehicle selection and schedule pickup or delivery.
Our team at Wilson's will also reach out to confirm your vehicle selection and schedule pickup or delivery.
Compare Options
Side-by-Side Plan Comparison
Everything you need to know to pick the right financing option for your situation.
| Feature | 0% Promo | Standard Loan | Affirm | Klarna Pay in 4 | Sezzle |
|---|---|---|---|---|---|
| Interest Rate | 0% | 9.99–19.99% | 0–36% | 0% | 0% |
| Terms Available | 3–12 months | 6–36 months | 3–36 months | 6 weeks (4 pmts) | 6 weeks (4 pmts) |
| Credit Score Required | 660+ | 580+ | 580+ | Any | Any |
| Min Purchase | $300 | $500 | $300 | $35 | $50 |
| Max Purchase | $10,000 | $10,000 | $17,500 | $2,000 | $2,500 |
| Hard Credit Pull | — | — | — | Never | Never |
| Instant Decision | ✓ | ✓ | ✓ | ✓ | ✓ |
| No Prepayment Penalty | ✓ | ✓ | ✓ | ✓ | ✓ |
| In-Store Available | ✓ | ✓ | ✓ | Varies | ✓ |
| Best For | Quick payoff, great credit | Longer term, flexibility | Long term, large purchase | Small purchases, no credit | Building credit |
FAQ
Financing Questions Answered
Checking your rate uses a soft credit inquiry — this never affects your credit score. Only if you choose to accept a loan offer will a hard inquiry be made, which may have a minor, temporary impact. You can freely check your rate with no consequence and no obligation to proceed.
For our 0% promotional financing, we recommend a credit score of 660 or above. For standard financing plans, scores from 580 upward are typically approved. For Klarna Pay in 4 and Sezzle, there is no minimum credit score — these services are available to everyone. Even if you have limited or building credit, we have options for you. Our in-store staff can help you find the best path forward.
Yes — all of our financing partners allow early repayment with no prepayment penalties. If you pay off your loan ahead of schedule, you save on any interest that would have accrued. With 0% APR plans there's no interest to save on, but you can still close out early any time. Contact your lender directly to arrange early payoff.
Absolutely. If you have a scooter or e-bike to trade in, you can apply its value as a down payment on your financed purchase, reducing your loan amount and monthly payment. Visit any Wilson's location for a free trade-in assessment. The trade-in value is calculated on the spot and applied immediately to your financing application.
Yes — financing is available on all condition grades (Factory Refurbished, Like New, Good/Used, and Open Box) across our entire certified pre-owned inventory. The minimum purchase amount is $300 for most plans. There are no financing restrictions based on the condition grade of the unit.
Yes! All 7 Wilson's locations have financing available in-store. Just bring a valid ID and your phone (for identity verification). Our staff will walk you through the application on a tablet — it typically takes less than 5 minutes and you'll get an instant decision. In-store financing is available at: Queens, Brooklyn, Long Island City, Flushing, San Francisco, and Los Angeles.
Your Wilson's 1-Year Warranty is fully independent of your financing status. It activates the moment you take possession of your certified vehicle, regardless of whether you've completed payments. If a covered warranty issue arises during your financing period, it's handled completely free of charge at any of our 7 locations — your payment schedule is not affected.
Our 30-day return policy applies to financed purchases too. If you return within 30 days in acceptable condition, your loan is cancelled and any payments made are refunded in full. Contact us within 30 days of purchase to initiate a return. After the return window, standard loan terms apply and the vehicle must be paid off before title transfer if you choose to sell it privately.