Ride Now. Pay Smart.
Q Card — 0% Interest Finance
The simplest way to spread the cost.
Apply for a Q Card once and use it any time in store or online. Choose 12 or 24 months interest-free at the checkout and ride away the same day.
The good stuff
- Zero interest over 12 or 24 months — what you see is what you pay
- No employer involvement, no salary scheme, no admin
- Apply in store in minutes and ride away the same day
- Works on bikes, parts, apparel and accessories
- Reusable — once you have a Q Card, use it any time
Worth knowing
- You're paying from after-tax income, so no tax saving
- Lending criteria and credit checks apply
- Monthly repayments are fixed — no flexibility to pay less in a tight month
Workride — Salary Sacrifice
Buy your bike from your gross salary — before tax.
Workride is a government-approved salary sacrifice scheme. Depending on your tax rate, you could save up to 49% off the retail price.
The good stuff
- Savings of 33–49% depending on your tax rate
- Bikes, e-bikes, helmets, locks, lights, apparel and accessories all qualify
- Free for employers to sign up
- Spreads the cost over time via manageable salary deductions
- Works on high-ticket items where the tax saving really adds up
Worth knowing
- Your employer needs to be registered
- Not everyone's employer will participate
- The bike is technically owned by your employer until fully repaid
- Only available to salaried employees — not sole traders or contractors
The Wheel Deal — Cycle to Work
NZ's leading cycle-to-work scheme.
Similar to Workride, The Wheel Deal lets you get a new bike and gear through your employer as a staff benefit — repaid via pre-tax salary deductions over 12 months. On a $10,000 bike at a 33% tax rate, you could save close to $5,000.
The good stuff
- Save up to 40% through pre-tax salary deductions
- NZ's most widely used cycle-to-work scheme
- Covers bikes, e-bikes, helmets, lights, locks, wet weather gear and commuter accessories
- Free for employers to join
- 12 month repayment term keeps monthly deductions manageable
Worth knowing
- Employer participation is required
- Repayment term is fixed at 12 months
- Primarily designed for commuter and everyday riding use cases
- Only available to salaried employees
Not Sure Which Is Right for You?
Here's the quick version.
Q Card
Spread the cost simply, no employer involvement. Instant, easy, costs nothing extra.
Workride
Pre-tax savings of 33–49%. Best if your employer is signed up.
The Wheel Deal
NZ's most widely used scheme. Slightly simpler setup, 12-month term.
The honest answer? Come in and talk to us. We'll run the actual numbers for your situation, no obligation, no pressure — just straight advice from people who want you on the right bike.