Bike finance — ride now, pay later.
A great bike shouldn't have to wait for payday. Spread the cost with up to 24 months interest free on Q Mastercard, or split smaller buys into four with Afterpay — on bikes, parts, apparel and workshop jobs.
Pick your payment plan
Big purchase, long runway — that's Q. Smaller hit, short and sharp — that's Afterpay. Both interest free when you pay on time.
Q Mastercard & Q Card
Long-term interest freeUp to 24 months interest free.
12 months interest free on purchases of $299 or more — parts, wheels, apparel, workshop jobs, the lot.
24 months interest free on purchases of $1,999 or more — most full bikes qualify.
Already have a Q Card? Just pay with it in-store, or choose "Pay with Q" at checkout online.
New to Q? Apply online in about 10 minutes. Once you're approved you can use it straight away.
Afterpay
Four fortnightly payments4 payments. 6 weeks. No interest.
Available on orders up to $2,000 — perfect for parts, tyres, apparel and services.
Pay 25% today, then three more fortnightly payments taken automatically from your card.
Online: choose Afterpay at checkout. In-store: add the Afterpay Card to your phone's wallet and tap like any other card.
Always interest free — just keep your payments on time to avoid late fees.
Spread a new rig over up to 24 months, interest free. Ride it all season while it pays itself off.
Four quick fortnightly payments and done. New tyres today, sorted by the end of next month.
Suspension services, custom builds and repairs can go on Q or Afterpay too — book a mountain bike service or ask at the counter.
Three steps, then go ride.
Pick your gear. Bike, parts, apparel or a workshop booking — in-store at 12 Carr Road or online.
Choose your plan. Pay with Q at the counter or checkout, or tap Afterpay. New to Q? Apply online first — it takes about 10 minutes.
Ride now, pay over time. Your gear comes home today. Clear the balance inside the interest-free period and it costs you nothing extra.
Finance FAQs
What do I need to apply?
You'll need to be an NZ resident aged 18+, with ID and a bit of info about your income. Applications are made directly with Q or Afterpay, and normal credit and lending criteria apply.
What happens after the interest-free period?
Any balance still owing on your Q account when the interest-free period ends starts accruing interest at Q's standard rate. Simple rule: divide the purchase by the months and set up an automatic payment — you'll clear it with nothing extra to pay.
Can I use finance for servicing and workshop jobs?
Yep. Suspension services, pivot rebuilds, custom builds — if the workshop does it, you can put it on Q or Afterpay like anything else in the shop.
Do you handle the finance yourselves?
No — all applications and agreements are between you and the finance provider. We're the bike people; Q and Afterpay are the money people. We just make sure the two meet smoothly.
Found the one? Sort the finance in minutes.
Come see us at 12 Carr Road, Three Kings — or apply for Q online before you visit and walk out riding.
Q Mastercard & Q Card: Available on purchases $299 and over. Lending criteria, $55 establishment fee (or $35 for existing customers making a subsequent long-term finance purchase), $50 annual account fee, and terms and conditions apply. Minimum payments are required throughout the interest-free period. The Standard Interest Rate, currently 28.95% p.a., applies to any outstanding balance at the end of the interest-free period. See qcard.co.nz for current rates, fees and full terms.
Afterpay: Available on orders up to $2,000 to NZ residents 18+ with a valid debit or credit card. Afterpay is always interest free; late fees apply to missed payments, capped at 25% of the order value or $68, whichever is lower. See afterpay.com for full terms.
All finance applications and agreements are between the customer and the finance provider. Outset (3Sixty Sports Ltd) acts as a facilitator only and receives no fees from customers for arranging finance.