ERIK'S offers finance options for both in-store and online purchases.* Regardless of whether you are looking for a new bike, snowboard, skis or other gear, ERIK'S wants to make the purchase easy and affordable. Get what you need and spread the payments over 6 - 12 months with deferred interest. Check out the full details below.
*On Approved Credit.

In-Store Financing & Layaway

Freedom To Ride Financing

ERIK'S offers in-store financing through the Freedom To Ride Card. This Card offers 12 Month Special Financing* for approved customers. Click here to learn more and see the current terms.

*Subject to credit approval. Minimum monthly payments required.

Please Note: The Freedom To Ride Card can only be used for in-store transactions. For online Finance Options, see Online Financing & Layaway section below.

In-Store Layaway

ERIK'S layaway program is available all year. With 20% down (50% for Special Orders) we will place anything on a layaway for you so you can spread out payments over up to 3 months. You can pay as much or as little as you would like and as often as you like as long as the item is paid in full in 3 months. Once your final payment is made, the item(s) are yours.

Stop by any ERIK'S location for more information on S-Card Financing and In-Store Layaway.

Online Financing & Layaway

Paypal Credit Financing

ERIK'S offers financing for online purchases through Paypal Credit. Paypal Credit offers 6 Months deferred interest financing for approved customers on purchases over $99. For full details, click the Paypal Credit button on the checkout page

ERIK'S Online Layaway

ERIK'S online layaway program is available all year. With a 1/3 down payment, we will place anything on a layaway for you so you can spread payments over 3 months. You can pay as much or as little as you would like, and as often as you like. After your final payment is made, we will finalize and ship your order!


  • Only items that are available to purchase online are eligible for Online Layaway
  • Layaways must be paid off within 3 months of creation. You can make as many payments as you would like in that time frame, but you must make at least 1 payment a month and the layaway must be fully paid off within 90 days
  • Layaways can be cancelled at any time. Payments will be refunded in full to the original payment method


To Initiate an Online Layaway:

  1. Add all the items you want to put on layaway to your cart
  2. Click the button 'Start My Layaway' below to initiate your layaway. The button will take you to your cart with an Online Layaway Initiation item
  3. With the Online Layaway Initiation item in your cart, the cart total will be reduced to 1/3 of the total price
  4. Complete the checkout process
  5. We will setup the layaway in our system. These items are now held for you and cannot be purchased by anyone else
  6. We will notify you with information about how to make future payments
  7. Once your layaway is paid in full we will ship out your order and email you a tracking number

For Online Financing or Online Layaway questions, click for Live Chat, call 1-877-885-2453, or email us at