Guide to E-Bike Financing in Canada (2025)

Easy Monthly Payments, Approvals for Almost All Credit Scores & Expert Guidance

Thinking about buying an e-bike but worried about the price tag? You’re not alone. With e-bike prices in Canada ranging from $3,500 to $18,000, many riders wonder how they can afford the bike they really want. The good news is, with Scooteretti’s flexible financing options, you can own a premium, long-lasting e-bike for affordable monthly payments, sometimes less than a transit pass, and even get approved if your credit isn’t perfect.

That’s why financing is such a smart choice. At Scooteretti, we make it simple for Canadians to get an e-bike with affordable monthly payments. Whether you have excellent credit or are rebuilding your credit, we offer financing solutions that can cover purchases up to $40,000.

Why Finance an E-Bike?

Instead of paying everything at once, financing gives you:

• Smaller monthly payments spread out over time.
• Flexible terms from 12 to 84 months.
• Fast approvals often completed in minutes. If we need to connect with one of our other lending partners, approvals usually take no more than 24 to 48 hours.
• The bike you really want not just what you can afford today. With a small down payment (or even $0 down), you can ride a higher-quality, longer-lasting e-bike you’ll truly love.

💡 It’s better to finance a quality e-bike that will last for years, than settle for a cheaper model that breaks down sooner, costs more in repairs, and delivers less enjoyment. At Scooteretti, you’ll invest in reliability, safety, and performance, not compromises.

Imagine owning one of our premium e-bikes for less than the cost of a monthly transit pass, or from just $22 per week with $0 down. Now that’s something everyone can afford.

Affordable Weekly Payments for E-Bikes

*This chart is for informational purposes only. Actual payments will vary depending on factors such as credit rating, income, and lender approval.

✨ Don’t let price hold you back. Own the e-bike of your dreams today with payments that fit your budget.

Save Money Compared to Transit & Car Ownership

With transit fares increasing and car ownership costs going through the roof, there has never been a better time to switch to an e-bike.

• In Ottawa, a standard adult transit pass now costs $135 per month.
  
  
• Financing a Scooteretti e-bike can start at up to 40% less than that monthly cost, and at the end of the term you actually own the bike outright.

Not only do you save money, but you also gain freedom, flexibility, and a healthier lifestyle.

Financing Options Available in Canada

1. Online Purchases On Our Website — Use Affirm At Checkout

When shopping online with Scooteretti, riders with good credit can choose Affirm at checkout.

Benefits of using Affirm:

• Instant approval in just a few minutes.
• Transparent payments with no hidden fees.
• Flexible plans that fit your budget.
• Pay off early anytime with no penalties.

👉 Have poor credit or didn’t get approved with Affirm? Don’t worry. Simply contact our Financing Experts here and we’ll work with our trusted partners to get you approved.

2. In-Store Purchases — Speak With Our Experts

If you’re visiting us in-store, you’ll work directly with one of our Financing Experts.

Scooteretti has partnered with select lenders who truly understand e-bikes and can often offer better rates and terms than most retailers. That means:

• Approvals even with poor or rebuilding credit.
• OPEN financing terms so you can pay off your loan anytime with no penalties.
• The chance to rebuild your credit while riding your new e-bike.
• Rates designed to save you money while getting you the bike you’ve always wanted.

👉 BOOK AN APPOINTMENT WITH A FINANCING EXPERT

✨ Make your dreams a reality with financing options designed for Canadians at a rate you can actually afford.

Why Spread Out Your Payments?

Financing makes owning a premium e-bike simple and stress free. Instead of sacrificing quality for price, you can:

• Ride the bike of your dreams today without waiting.
• Choose affordable weekly or monthly payments that fit your lifestyle.
• Free up cash flow for other priorities.
• Invest in a higher-quality e-bike that lasts longer, saving you money over time.

In the long run, financing with Scooteretti costs less than settling for a cheap alternative that wears out quickly. Buy once, buy right, and enjoy years of worry free riding.

Why Finance With Scooteretti?

Scooteretti is Canada’s trusted e-bike retailer with financing solutions designed for every rider:

• Nationwide approvals available in every province and territory.
• Finance up to $40,000 for single bikes or multiple purchases.
• Exclusive financing partners lenders who understand e-bikes and can offer rates others can’t.
• High approval rates including for customers with poor credit.
• Fast approvals often in just minutes, or within 24 to 48 hours if extra lender matching is required.
• OPEN financing terms pay off your e-bike anytime with no penalties.
• Rebuild credit while you ride our partners help you improve your score over time.
• Own your dream e-bike with flexible plans that fit your budget, starting from just $22 per week.

How to Apply for Financing

It’s easy:

• Shopping online? Select Affirm at checkout for instant approval.
• Didn’t get approved with Affirm? Contact our Financing Experts and we’ll work with our lender network to get you the right plan.
• Shopping in-store? Speak with one of our Financing Experts to explore our custom options with multiple lenders and get the best rate!
• Get approved quickly usually in minutes, or within 24 to 48 hours if we need to find the right match.
• Ride your new e-bike and enjoy stress free, affordable payments.
  

Final Thoughts

With transit passes costing more every year and car expenses continuing to climb, financing an e-bike is one of the smartest financial decisions Canadians can make in 2025.

With Scooteretti’s flexible financing options, you don’t need to compromise on quality or wait years to save up. Whether you choose instant approval with Affirm online or prefer a custom plan through our in-store Financing Experts, we’ll help you find a solution that works, even if you’re rebuilding your credit.

👉 Take the first step today — Book an Appointment with a Financing Expert or shop online and choose Affirm at checkout.

About the Author

William Leishman
Founder & President, Scooteretti

William Leishman is the Founder of Scooteretti, one of Canada’s leading electric bicycle retailers, and a recognized authority in the eBike industry since 2010. As a member of the National Bicycle Dealers Association (NBDA) Advisory Board for eBike Safety, William plays a key role in shaping best practices and safety standards across North America. Frequently featured on television, radio, print, and digital media, he has become a trusted voice for consumers and industry professionals alike. With over a decade of hands-on experience and thought leadership, William brings unparalleled expertise and passion to advancing the adoption and safe use of electric bicycles.