Request service Portal bicycle lease

Cheapest bike loan at 0.0% interest

Bike loan from Cyclobility

Are you planning to buy an electric bicycle, speed pedelec or road bike at Cyclobility and you would like to spread the purchase cost over several years? Thanks to our interest-free bike loan APRC* you can.

At Cyclobility we take on the cost of the interest so that you can buy a bicycle and pay it off at your own pace. As a result, we have the cheapest bicycle loan.

*Annual Percentage Rate of Charge
Attention, borrowing money also costs money.
Cyclobility bears the costs of the interests.

Simulate your bike loan
Van plan om een elektrische fiets, speed pedelec of racefiets te kopen bij Cyclobility, maar zou je graag de aankoopkost spreiden over enkele jaren? Dat kan vanaf nu met de fietslening aan 0,0% JKP*.

A representative example of a bicycle loan

Representative example: for an instalment loan of 1,500 euros to be repaid over 24 months at a fixed annual debit rate and annual percentage rate of charge of 0.00%, you pay 24 instalments of 62.50 euros per month or 1,500 euros in total. Rate applying from 16-01-2024 until 31-12-2024 for terms of up to 60 months, for an instalment loan used to finance a(n) (electric) bike. The vehicle must be bought by a private individual.

Simulate your bike loan

Your monthly payment

  • Monthly payment €${ result.monthly.toFixed(2) }
  • Interest rate ${ result.interest }%
  • Duration ${ settings.months } months
  • Credit amount €${ result.credit }
  • Total Repayment €${ result.total }

Savings thanks to Cyclobility intervention €${ result.totalSave.toFixed(2) } *
Start your application for the cheapest bike loan here

Contact a store (*) savings calculated based on current interest rate of ${ (settings.jkp * 100).toFixed(2) }%. It is only possible to take out a loan if the bicycle is purchased in a Cyclobility store and it cannot be combined with other promotions..

Credit type: Instalment loan provided by the lender KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026.256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement. Credit intermediary acting as agent in secondary function: CYCLOBILITY- besloten vennootschap, Kerkstraat 14, 9690 Kluisbergen , 0659.786.377. Attention, borrowing money also costs money.

How does a bike loan work?

Are you now convinced you want to take out a loan? That’s fantastic! Before you can enjoy your new bike, you have to go through the following steps.

  1. Visit one of our bike shops, test and choose your bike.
  2. Complete your loan application together with us.
  3. The loan application undergoes a check for approval.
  4. Confirm the offer if your loan is approved and enjoy your bike.

The bike loan can also be interesting if you want to buy your lease bike. Contact us for more information.

Contact us for more information
Cyclobility Gent kuipke

Bike to work and recoup your investment

If your employer provides a cycling allowance, you can recover part—or in some cases even all—of the investment in your new bike. In 2025, the maximum cycling allowance is €0.36 per kilometre.

For example, if you commute 10 days per month by bike, covering 30 km round trip each day, you will have cycled 300 km in a month. In that case, you are entitled to a cycling allowance of up to €108 per month, tax-free. On a yearly basis, this adds up to €1,296 per year.

For which bike can you apply for a bike loan?

You can apply for a bike loan for different types of bikes such as electric bike, speed pedelec, road bike, mountainbike, cargo bike... from renowned brands such as Stromer, Gazelle, Riese & Müller, Cannondale, Urban Arrow, Moustache, Scott and many more.

A new bike is a significant investment, so we are happy to guide you in our store.

Can you also apply for a bicycle loan for a second-hand bicycle?

Absolutely. You can also apply for a bicycle loan for a second-hand bicycle.

Simulate your bike loan
Fietsenwinkel in stad Lier
  • 24

    Second-hand

    24% of our bike loans are for a second-hand bike. Great, no?

  • 4400

    Average

    On average, people borrow €4,400 for their dream bike

  • 12

    Takeover

    12% of our bike loans are for the takeover of a leased bike

Alexander chooses a brand-new Stromer ST2

“Thanks to Cyclobility’s interest-free loan, I was able to purchase a speed-pedelec. Unfortunately, my employer doesn’t offer a leasing plan, but I was very well supported with my private purchase. They even took care of my license plate! I can recommend it to everyone.”

– Alexander Vandoorne, assisted at Cyclobility Ghent.

Alexander Vandoorne

    Let's talk about your bike loan

    Frequently asked questions about a bike loan

    • You can buy a bicycle on credit in our bicycle shop in Ghent, Roeselare, Aalst, Sint-Niklaas, Aalter, Zedelgem, Lier or Kluisbergen. Online is unfortunately not possible. However, it is possible to complete your loan application online.

    • A bicycle lease can only be arranged through your employer. As a private individual, leasing a bicycle is not possible. You can take out a bicycle loan as a private individual, however. Also, with a bicycle lease you are not the owner of the bicycle, but the renter. The average lease term is 48 months. At the end of this term, the bicycle is still the property of the leasing company. At that time you can choose to take over the bicycle by paying the residual value.

      If you take out a bicycle loan, you are the owner of the bicycle.

    • If you want to apply for a bicycle loan, you should have the order form, your ID card, bank card with card reader and account number, and proof of your income and expenses ready.

    • Yes, it is possible to buy a used bicycle on credit.