Financing your dream bike – but how? For example, if you decide on a veloheld.iconX for a sales price of € 3,999.00, 6, 12 and 18 monthly installments with finance a bike from 0% interest are calculated as follows:
6
monthly payments of:- € 3,999.00 Net loan amount
- € 3,999.00 Total amount
- 6.99% p.a. Borrowing rate (fixed)
- 0.00% p.a. Effective annual rate
- 6 months Interest-free period
12
monthly payments of- € 3,999.00 Net loan amount
- € 3,999.00 Total amount
- 6.99% p.a. Borrowing rate (fixed)
- 0.00% p.a. Effective annual rate
- 12 months Interest-free period
18
monthly payments of:- € 3,999.00 Net loan amount
- € 4,025.98 Total amount
- 6.99% p.a. Borrowing rate (fixed)
- 0.85% p.a. Effective annual rate
- 12 months Interest-free period
Financing or leasing?
An example with real figures: veloheld.iconX for € 3,999, leasing according to the JobRad calculator with a gross salary of € 3,800, tax class 4, no church tax (as of September 2026).
Direct purchase
one-time payment:- € 3,999.00 Total after 3 years
- from day one The bike is yours
- your choice Insurance
- none Tied to employer
- unaffected Pension and parental allowance
- in the quote Manufactory advantage
0% financing
12 monthly payments of:- € 3,999.00 Total after 3 years
- from day one The bike is yours
- your choice Insurance
- none Tied to employer
- unaffected Pension and parental allowance
- 0% interest Manufactory advantage
Company bike leasing
36 monthly payments of:- approx. € 3,456.00 Total incl. purchase*
- after 3 years* The bike is yours
- full cover required Insurance
- 36 months Tied to employer
- decrease Pension and parental allowance
- not possible Manufactory advantage
Honestly calculated: for an average income, leasing is a few hundred euros cheaper – but the bike belongs to the bank for three years, you are tied to your job, and the lower pension stays with you for life. With a direct purchase or financing, your veloheld is yours immediately. And with a direct purchase we can give you something that isn’t possible with leasing – ask us for it in your quote.
* Net monthly rate according to the JobRad calculator; purchase after 36 months at the currently usual price of 18% of the RRP (€ 720), not contractually guaranteed. All leasing figures rounded.
Who sits at the table when you buy?
With us: you and the workshop.
We are a small manufactory in Dresden. Between you and your bike there are only the people who design, weld, paint and build it – and you’ll know them by their first names after your first call. Your bike isn’t sitting finished in a warehouse waiting for you. It only comes into being once you decide: we mix your colour, order your parts and build a bike that exists exactly like this only once. It’s paid for once you’re sitting on it. That’s why every deposit means more to us than money – it’s your yes, and it lets us get started.
With leasing: you, the workshop – and five more.
The leasing provider receives a fee from us. The leasing bank buys the bike and earns interest. The insurer earns on the mandatory policy. Your employer saves social security contributions on your instalment. And the state waives taxes so the model works at all.
How to finance your new veloheld bike in detail
- Choose your bike on the website and add your desired size and equipment to the shopping cart.
- Now select the payment method"Financing" in the shopping cart and send us the order.
- Are you unsure about the size, would you like further advice or would you like to have your new veloheld bike fitted? You can also simply send us your ideas by e-mail and we will advise you even after you have placed your order.
- Once everything has been discussed and clarified, you will receive a final order confirmation and the financing process will be initiated. FINANCE A BIKE will send you all purchase details via SMS to your smartphone. Here you can now enter your desired term of 6 - 84 months and immediately see how high your installments and interest rates are. Your request will then be checked and you will have to briefly identify yourself in a video call.
- After successful verification by FINANCE A BIKE, you will receive a pick-up code by SMS.
- You send this collection code to us by e-mail, for example, and the production of your bike can begin.
- Once your new veloheld bike has been assembled in our factory, it can be handed over to you on site or by a forwarding agent.
- Yeah! Now you are the proud owner of your new veloheld bike.
FAQs on financing
You have a 14-day right of withdrawal with regard to the purchase contract, which begins at the earliest upon receipt of the goods. If you exercise this right, you are no longer bound by the loan agreement. You can therefore cancel the loan agreement immediately, but are then no longer bound by the purchase agreement.
Please note that the right of withdrawal does not apply to products that have been specially made to customer specifications. If you only want to revoke the loan agreement in this case, please contact us. You can find more details on the revocation instructions in the loan agreement in the financing agreement.
Repayments are made monthly and are debited from your account by SEPA direct debit.
No, you determine the rate and term of your FINANCE A BIKE installment purchase when you make your purchase and cannot change it afterwards.
Are unscheduled repayments or full repayment of the loan possible before the end of the agreed term?
If you would like to repay faster, you can do so at any time free of charge by bank transfer.
Do you still have questions about financing?
The offer is only available within Germany.